Experian is a trip!

[Anonymous]

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@Anonymous wrote:

I don't think anyone is suggesting that the actual reasons should be given for score changes, simply that it shouldn't be suggested that the reasons given are responsible for a score change.

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Nowhere does it actually suggest that though. It says your score went up/down and x changed on your profile that triggered the alert to be generated. 

[Anonymous]

i find certain DP on the site wonky as well but i have used its pay to play service for about a year and the info and numbers are spot on and the updates are allmost real time so as for pay to play offerings go EX is king once you get used to thr quirks IMO

[sarge12]

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@Anonymous wrote:

I don't think anyone is suggesting that the actual reasons should be given for score changes, simply that it shouldn't be suggested that the reasons given are responsible for a score change.

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How many times are we going to have to explain, yet again, to posters that the alert and the score reported are 2 seperate and often unrelated pieces of information, before Myfico ever puts a short disclaimer on the alert to explain that. We who have been on this forum for a long time know this very well, but to continue to place the alert and current score there together just makes these 2 unrelated pieces of information appear related. The only way they are related is an alertable event triggers a new up to date credit score pull. Alertable events are very rarely if ever the sole reason for a score change. I sure wish the Myfico site would explain that as part of the alert process, but it appears they do not want to do so for reasons that are hard to understand.

[egaithe]

I believe it's done to be deceiving. It just makes no sense. When you go to the store and see a price tag by it, you assume it's the cost of the item. It's natural to associate in that way, so MyFico is just being intentionally misleading. I'd rather them put no descriptor.

[Revelate]

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@egaithe wrote:

I believe it's done to be deceiving. It just makes no sense. When you go to the store and see a price tag by it, you assume it's the cost of the item. It's natural to associate in that way, so MyFico is just being intentionally misleading. I'd rather them put no descriptor.

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I'm sorry, but deceiving?

These products weren't designed for us initially, they were designed for lender monitoring reports and then exported to consumers once they realized there was another market for them.  More money more better.

Is it optimal no, but consider where we were even 7 years ago where basically nobody had access to their scores except for a very very select few.  

I'm not willing to throw out good looking for perfect: could it be improved, sure, but this is such a non-issue.

[Anonymous]

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@Anonymous wrote:

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Nowhere does it actually suggest that though. It says your score went up/down and x changed on your profile that triggered the alert to be generated. 

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I disagree.  As evidenced by the fact that there are always 2-3 active threads by people posting things like "a new inquiry added raised my score 10 points" or "I lowered the balance on my CC and my score dropped 10 points" it's extremely clear that in terms of the way the information is presented that members believe that alerts and the provided score changes are related.  It is therefore suggested simply in terms of presentation.

[Anonymous]

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@sarge12 wrote:

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How many times are we going to have to explain, yet again, to posters that the alert and the score reported are 2 seperate and often unrelated pieces of information, before Myfico ever puts a short disclaimer on the alert to explain that. We who have been on this forum for a long time know this very well, but to continue to place the alert and current score there together just makes these 2 unrelated pieces of information appear related. The only way they are related is an alertable event triggers a new up to date credit score pull. Alertable events are very rarely if ever the sole reason for a score change. I sure wish the Myfico site would explain that as part of the alert process, but it appears they do not want to do so for reasons that are hard to understand.

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I'm with you 100% on that, Sarge.  I'm not sure if you've been to the thread I started yet in the product feedback section?  If not, please do voice your opinion above there.  I feel like the more of us that chime in about this, the better the chances are of a change being made.

https://ficoforums.myfico.com/t5/myFICO-Product-Feedback/Alerts-unrelated-to-provided-score-changes/...

[Anonymous]

This was like the first thing I learned on this site. I mean if you've read very many threads, you're gonna come across this regularly. And continually.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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Nowhere does it actually suggest that though. It says your score went up/down and x changed on your profile that triggered the alert to be generated. 

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I disagree.  As evidenced by the fact that there are always 2-3 active threads by people posting things like "a new inquiry added raised my score 10 points" or "I lowered the balance on my CC and my score dropped 10 points" it's extremely clear that in terms of the way the information is presented that members believe that alerts and the provided score changes are related.  It is therefore suggested simply in terms of presentation.

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This is a side effect of not having real time monitoring. Only specific file changes will produce an alert and refresh the score. This is why Experian’s product is better for tracking score changes versus specific actions. 

Unless MF can get an agreement for daily score updates that show exactly what changed, which would likely increase costs for them and the consumer making an already expensive product even more expensive, I don’t see how they can do anything different. 

I mean if they turn off the reason codes, people will be annoyed as well. 

[SouthJamaica]

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@Revelate wrote:

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@egaithe wrote:

I believe it's done to be deceiving. It just makes no sense. When you go to the store and see a price tag by it, you assume it's the cost of the item. It's natural to associate in that way, so MyFico is just being intentionally misleading. I'd rather them put no descriptor.

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I'm sorry, but deceiving?

These products weren't designed for us initially, they were designed for lender monitoring reports and then exported to consumers once they realized there was another market for them.  More money more better.

Is it optimal no, but consider where we were even 7 years ago where basically nobody had access to their scores except for a very very select few.  

I'm not willing to throw out good looking for perfect: could it be improved, sure, but this is such a non-issue.

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I agree with @egaithe that it is deceiving. If you got an alert which told you that your score changed and why it changed you would love that, so it appears that they may be trying to keep that appearance, for its enhanced entertainment value. Certainly they could have corrected this false impression long ago if they had an interest in doing so.