Recommendation after being rejected by myFICO

[Anonymous]

I just signed up for single bureau monitoring. I'll look at 3 bureau when I get closer to actually applying for a mortgage or something.

The issue was they couldn't get my credit data without the CSR over-riding something. From searching the forum (like this thread) I gather that this seems to be happening to a lot of people who have recently issued SSN's, like I do.

Once I called CSR they were able to provide what I paid for. But, it was a bit frustrating, because I signed up in the evening, and CSR wasn't available until the next day. After six months of waiting I was itchy to see that score lol. In the end a minor issue that was resolved by phoning in.

[Aarvard]

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@Anonymous wrote:

I just signed up for single bureau monitoring. I'll look at 3 bureau when I get closer to actually applying for a mortgage or something.

The issue was they couldn't get my credit data without the CSR over-riding something. From searching the forum (like this thread) I gather that this seems to be happening to a lot of people who have recently issued SSN's, like I do.

Once I called CSR they were able to provide what I paid for. But, it was a bit frustrating, because I signed up in the evening, and CSR wasn't available until the next day. After six months of waiting I was itchy to see that score lol. In the end a minor issue that was resolved by phoning in.

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I will definitely try again tomorrow.
Thanks for the info!

[Aarvard]

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@Anonymous wrote:

I just signed up for single bureau monitoring. I'll look at 3 bureau when I get closer to actually applying for a mortgage or something.

The issue was they couldn't get my credit data without the CSR over-riding something. From searching the forum (like this thread) I gather that this seems to be happening to a lot of people who have recently issued SSN's, like I do.

Once I called CSR they were able to provide what I paid for. But, it was a bit frustrating, because I signed up in the evening, and CSR wasn't available until the next day. After six months of waiting I was itchy to see that score lol. In the end a minor issue that was resolved by phoning in.

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I tried again this morning and they still gave me a flat no because my SSN was not old enough  Wonder how you pulled that off 

[Anonymous]

I got my SSN in November, so definitely mine is new! When I called in they spent a few minutes updating all sorts of information about me, asking me the same questions about my address and name more than once, and then finally started asking me confirmation questions about my accounts and other things from my CR, after which everything was working.

[Aarvard]

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@Anonymous wrote:

I got my SSN in November, so definitely mine is new! When I called in they spent a few minutes updating all sorts of information about me, asking me the same questions about my address and name more than once, and then finally started asking me confirmation questions about my accounts and other things from my CR, after which everything was working.

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Which number did you call? Is that 1-800-319-4433?

You got your SSN in November 2014 so it's only 5 months since.

[Anonymous]

I received an email telling me to call 877 220 1541, so maybe try that. I understand you actually need six months of history to have a score and yeah my SSN is only 5 months old, but I had a US card from August that I got with my CDN credit information and it reports back 7 months of history on my file. But the SSN itself I applied for in October and received in November.

[Aarvard]

So apparently I can purchase ScoreWatch only. When I tried the 3B no score showed up, but with SW I could see my EQ FICO. Really weird of myFICO.

[Anonymous]

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@Aarvard wrote:

So apparently I can purchase ScoreWatch only. When I tried the 3B no score showed up, but with SW I could see my EQ FICO. Really weird of myFICO.

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Really? That's ridiculous!

That is what I purchased, so that explains why I was able to get it. Right now that's enough for me, I can see the contents of my reports from other sources, and I know they contain pretty much identical information, so having the score from just one of them was good enough for me for now. 

But I was planning to get the full 3B view in the future when I get to applying for an auto loan or mortgage, just to be sure. Now it seems that may be a problem!

[Aarvard]

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@Anonymous wrote:

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@Aarvard wrote:

So apparently I can purchase ScoreWatch only. When I tried the 3B no score showed up, but with SW I could see my EQ FICO. Really weird of myFICO.

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Really? That's ridiculous!

That is what I purchased, so that explains why I was able to get it. Right now that's enough for me, I can see the contents of my reports from other sources, and I know they contain pretty much identical information, so having the score from just one of them was good enough for me for now. 

But I was planning to get the full 3B view in the future when I get to applying for an auto loan or mortgage, just to be sure. Now it seems that may be a problem!

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Yup. According to myFICO CSR, when he tried to pull my information from the bureaus, all three of them blocked myFICO with the "Fraud Shield Alert" with error ID 4 from EX, "Hawk Alert" with error ID 4501 from TU, and "Identity Scam Alert" with error ID A from EQ.

Googling those term I could find the Fraud Shield Alert error 4: "The issue date of the Social Security number provided on inquiry cannot be verified." Apparently this only happened to SSNs issued after June 25, 2011 .

Hawk alert was mentioned in this post by one of the mod: http://ficoforums.myfico.com/t5/General-Credit-Topics/Hawk-Alert-on-TU-report-by-social-security-administration/m-p/1947355#M171297
But my question is when I pulled all three, EQ blocked me, yet if I purchased SW here they let the request go through. I have no idea whether or not it is myFICO's error or those bureaus'. 

[Anonymous]

Are you able to get your reports through other services, and if so, why is only myFICO affected? I have used a few of the other services and none of them had any problem retrieving my full credit report. Experian's service gave me a report and FICO score. I've used Amex's CreditSecure service and while they dont' provide FICO scores they do pull my full report and calculate a fako PLUS score. I'd been using that for the first six months because I wouldn't have had a FICO anyway with less than six, and it was nice to be able to refresh the full report daily.

So I know others can pull my report without getting any of those warnings. Is it different here?