Re: myFICO score not updating?

Anonymous · ‎10-07-2016

@SouthJamaica wrote:
@Appleman wrote:
IMO the quickest for notifications is Credit Check Total. Trial is $1 for a week. Cancel within seven days and they will try to get you to stay on for $14.97 a month and you will get a new report each month for all 3 bureaus (FICO 08 score only).

The myFICO product (which I also subscribe to) only updates when a credit alert hits, a score change may or may not be related to an alert. And the only score that will update will be the FICO 08 score. I often find that myFICO lags 1-4 days behind CCT. The rest of the FICO versions on myFICO only udate when you obtain a new report.

For additional monitoring of TU and EQ I also use Credit Karma although this is a Vantage score and seems ok for trending.
Questions, Appleman:

I just signed on for CCT, and it looks exactly the same as my Experian.com site, except that it has 3 bureaus rather than just EX.

1. Does it give the same alerts that Experian.com provides?

2. Can the report be refreshed and updated for free whenever you like, the way that Experian.com permits?

For a while I subscribed to both CCT and EX just to see what was happening.

This is what I found:

Changes showed on EX quicker, but CCT followed usually the same day or next day.

CCT updates daily automatically (which I love)

Once a month you get a free update from all three credit bureaus.

I cancelled my EX monitoring and now use CCT and MYFCIO. I still use TU and EQ, but plan to cancel those soon as I have done my "cleanup" on the sites.

Hope this helps.

MugenCivicSi83 · ‎10-07-2016

I have EX, CCT, and myFICO now to see how this plays out. Looking for a bump in my score end of this month into the 720-740 range *crossing my fingers* and I still have found a ton of erroneous data on my reports. Addresses aren't the same on any one of the CRA's, etc. Maybe by december it will be cleaner. Will GW letters be good for me if I have a few late payments. My payment percent is at 99% on time. I just missed a couple I believe due to bad timing on my part

Thanks for any advice or wisdom and as always "Stay Clean!"

FICO 8 Scores: EX 706 (11/3/2016) EQ 696 (11/17/16) TU 708 (11/17/2016)

"Use your Credit wisely, don't let it use you!"~Me

PenFed Platinum Rewards Visa Signature: CL $11k: 11/2/16

Fidelity Visa Signature: CL $7.5k: 10/19/16

Wells Fargo Platinum: CL $3.4k; 11/1/16 Auto CLI

Chase Freedom: CL $1k; Opened 2013: 2.5k to CSP 11/7/16

SouthJamaica · ‎10-07-2016

@Anonymous wrote:
@SouthJamaica wrote:
@Appleman wrote:
IMO the quickest for notifications is Credit Check Total. Trial is $1 for a week. Cancel within seven days and they will try to get you to stay on for $14.97 a month and you will get a new report each month for all 3 bureaus (FICO 08 score only).

The myFICO product (which I also subscribe to) only updates when a credit alert hits, a score change may or may not be related to an alert. And the only score that will update will be the FICO 08 score. I often find that myFICO lags 1-4 days behind CCT. The rest of the FICO versions on myFICO only udate when you obtain a new report.

For additional monitoring of TU and EQ I also use Credit Karma although this is a Vantage score and seems ok for trending.
Questions, Appleman:

I just signed on for CCT, and it looks exactly the same as my Experian.com site, except that it has 3 bureaus rather than just EX.

1. Does it give the same alerts that Experian.com provides?

2. Can the report be refreshed and updated for free whenever you like, the way that Experian.com permits?
For a while I subscribed to both CCT and EX just to see what was happening.

This is what I found:
Changes showed on EX quicker, but CCT followed usually the same day or next day.
CCT updates daily automatically (which I love)
Once a month you get a free update from all three credit bureaus.

I cancelled my EX monitoring and now use CCT and MYFCIO. I still use TU and EQ, but plan to cancel those soon as I have done my "cleanup" on the sites.

Hope this helps.