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Why do I feel that the Experian website and app are better than myfico?

tag
Anonymous
Not applicable

Why do I feel that the Experian website and app are better than myfico?

It seems that during my two months with Experian.com, my info was updating much faster and my credit report would always be updated--daily. My fico seems to only be reporting what was in their info as of the day  I signed up 5-22-15. For instance, I did get an alert saying that my Target credit limit was increased, BUT its still showing as my original limit on my Fico credit report. Am I missing something?!

Message 1 of 7
6 REPLIES 6
Anonymous
Not applicable

Re: Why do I feel that the Experian website and app are better than myfico?

i just checked experian website and my score is two more points than what i'm seeing here

Message 2 of 7
cdtotten
Established Contributor

Re: Why do I feel that the Experian website and app are better than myfico?

If you didn't have any large change that was enough to trigger an alert, your score may not change here until they refresh their report and see the change. 


Starting Score: 627 EQ, 621 TU - 11/15/08
Current Score: 778 EQ, 781 TU, 778 EXP 07/20/12 Lender Pull
Goal Score: 800 EQ & TU


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Message 3 of 7
taxi818
Super Contributor

Re: Why do I feel that the Experian website and app are better than myfico?


@Anonymous wrote:

It seems that during my two months with Experian.com, my info was updating much faster and my credit report would always be updated--daily. My fico seems to only be reporting what was in their info as of the day  I signed up 5-22-15. For instance, I did get an alert saying that my Target credit limit was increased, BUT its still showing as my original limit on my Fico credit report. Am I missing something?!


Simple. because myfico has different triggers for different bureaus. i understand what you mean. if you look at my siggy. to the right. it says my Experian score is 670, in fact. my fico on experian has been 698 for a week. My fico simple lags behind. nothing we can do for 1995 a month. for all 3 scores. you can pay the $15.96 and see it instantly. but no thanks. i will wait. already been over a week and i still don't see the update. i think if i had inquiry. it would update within 24 hours. good luck.

proof below

experianfico.PNG

Message 4 of 7
takeshi74
Senior Contributor

Re: Why do I feel that the Experian website and app are better than myfico?


@Anonymous wrote:

Am I missing something?!


Yup.  This is also pointed out in many other threads on topic such as myFICO frequency of updates, causes of scoring changes, etc:

http://myfico.custhelp.com/app/answers/detail/a_id/463/~/understanding-what-triggers-fico%C2%AE-3-bureau-credit-monitoring-and-fico%C2%AE-identity

Message 5 of 7
Anonymous
Not applicable

Re: Why do I feel that the Experian website and app are better than myfico?

Thanks! This was really helpful!

Message 6 of 7
Anonymous
Not applicable

Re: Why do I feel that the Experian website and app are better than myfico?

I have had no Experian alerts or score changes on MyFico in weeks. I have had many major changes to my reports; changes that definitely should have triggered an alert and update on MyFico, yet nothing in weeks. My other 2 have updated from these changes, but not Experian. Experian used to update for me even for way smaller changes, so I'm not sure what's going on with MyFico and Experian lately, but I hope they resolve the issue soon.

Message 7 of 7
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