I signed up for the 3 score/report monitoring on 8/22 and will definitely be cancelling this service when the 3 months are up in October. I have gotten exactly 4 updates on Experian, and none on Transunion. I spoke to CSR today at MyFico, and their explanation was so so on why I'm not getting alerts. For transunion they say that their are limited alerts, and that I probably won't get anything else score changes, inquiries, etc. Well, my experian and transunion score has not changed 1 point up or down in 6 weeks. Just not worth the extra month if nothing is going to be reported. I will just get my scores periodically if I need them.
Were you aware that:
Your 3-bureau alerts will notify you when we detect:
- FICO Score changes
- New accounts
- Account changes†‡
- Inquiries, collections and public records
- Name, address and phone changes
† Alerts unavailable for account balance changes in TransUnion credit reports.
‡ Alerts for account balance changes in Experian credit reports are triggered by a change of 5% or more.
@HiLine wrote:Were you aware that:
Your 3-bureau alerts will notify you when we detect:
- FICO Score changes
- New accounts
- Account changes†‡
- Inquiries, collections and public records
- Name, address and phone changes
† Alerts unavailable for account balance changes in TransUnion credit reports.
‡ Alerts for account balance changes in Experian credit reports are triggered by a change of 5% or more.
To play devils advocate it says for balance changes no alerts for TU, but the problem that arises there is when balance changes cause fico score changes. It doesn't report those. I know first hand for that to be the case because my wally showed an score change and myfico cms doesn't report an score change at all.
@mongstradamus wrote:
@HiLine wrote:Were you aware that:
Your 3-bureau alerts will notify you when we detect:
- FICO Score changes
- New accounts
- Account changes†‡
- Inquiries, collections and public records
- Name, address and phone changes
† Alerts unavailable for account balance changes in TransUnion credit reports.
‡ Alerts for account balance changes in Experian credit reports are triggered by a change of 5% or more.To play devils advocate it says for balance changes no alerts for TU, but the problem that arises there is when balance changes cause fico score changes. It doesn't report those. I know first hand for that to be the case because my wally showed an score change and myfico cms doesn't report an score change at all.
Sorry if I'm out of touch with the scoring models, but do Walmart and myFICO use the same model for TU?
@HiLine wrote:
@mongstradamus wrote:
@HiLine wrote:Were you aware that:
Your 3-bureau alerts will notify you when we detect:
- FICO Score changes
- New accounts
- Account changes†‡
- Inquiries, collections and public records
- Name, address and phone changes
† Alerts unavailable for account balance changes in TransUnion credit reports.
‡ Alerts for account balance changes in Experian credit reports are triggered by a change of 5% or more.To play devils advocate it says for balance changes no alerts for TU, but the problem that arises there is when balance changes cause fico score changes. It doesn't report those. I know first hand for that to be the case because my wally showed an score change and myfico cms doesn't report an score change at all.
Sorry if I'm out of touch with the scoring models, but do Walmart and myFICO use the same model for TU?
yeah that is why i was directly comparing them :-) Discover, wally, barclays all are tu 08 just like TU score here. Funny thing i noticed is that CK monitoring didn't pick up balance changes either so i don't know what exactly is up. TU may be is just being really slow.
I had the impression that this 3 bureau monitoring service is the combination of the previous 2 single-bureau monitoring services with the addition of another. In other words, Equifax rocks, Transunion sucks, and Experian is unpredictable. 
@HiLine wrote:I had the impression that this 3 bureau monitoring service is the combination of the previous 2 single-bureau monitoring services with the addition of another. In other words, Equifax rocks, Transunion sucks, and Experian is unpredictable.
It's different from the older TU Quarterly Monitoring which used to be available here.
I have a sneaky feeling that the CK monitoring (without their weekly pulls and comparing report N+1 vs. N over time) may well be the same Transunion monitoring which is here, and my CK monitoring has sucked the past two months or thereabouts compared to what it used to catch. CS too incidently.
Someday both TU and EX will have their poop in a group and catch up to Equifax's sophistication for their service.
Score Watch based on Equifax was absolutely fantastic until they switched to the FICO 08 model. I tried Quarterly Monitoring based on Transunion before, and all I got from it was basically the FICO report every quarter. For TU monitoring, Credit Karma does more than a fine job. For equifax monitoring though, I don't think I can find anything better than Score Watch, considering that it also keeps track of one of my FICO scores.