@gregsbabe1 wrote:Ok hi all, help me understand.. SO got an alert on myfico that Transuion reported decrease in accounts past due..no score change then the next day reported increase in accounts past due ( which is weird because everything was paid on time) but again no score change. Then I had two CC that I paid off and immediate score jump of 25 points on Trans. SO I am confused as to why no jump or fall with the others. Also doesnt tell me what it is.
The MyFICO alerts are generally not very informative, and the TU reports are the least informative.
If you want to know what your current FICO 8 score is, they're pretty reliable. But for determining why your score changed or didn't change, they're useless.
@SouthJamaica wrote:
@gregsbabe1 wrote:Ok hi all, help me understand.. SO got an alert on myfico that Transuion reported decrease in accounts past due..no score change then the next day reported increase in accounts past due ( which is weird because everything was paid on time) but again no score change. Then I had two CC that I paid off and immediate score jump of 25 points on Trans. SO I am confused as to why no jump or fall with the others. Also doesnt tell me what it is.
The MyFICO alerts are generally not very informative, and the TU reports are the least informative.
If you want to know what your current FICO 8 score is, they're pretty reliable. But for determining why your score changed or didn't change, they're useless.
Welcome @gregsbabe1
This ^^^^^^^^^^^
My favorite example of no reason.
Alerts were: Just got "decresed". Next day "increased". No reason.
@Gregsbabe11 wrote:I have experian monitering as well and it yesterday reported a 63 point increase, myfico has not updated that or the other increases either I have had with equifax and transunion. Are they always days behind?
typically, yes
myFico isn't usually as fast as experian
you get daily updates on Experian's end and assuming whatever changed is a triggering event, myFico typically updates a few days after
@Gregsbabe11 wrote:I have experian monitering as well and it yesterday reported a 63 point increase, myfico has not updated that or the other increases either I have had with equifax and transunion. Are they always days behind?
Not always. But often.