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Frustrated with myfico

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907grown
Established Contributor

Frustrated with myfico

Okay, I am getting very frustrated with this site.  I am getting charged monthly, and I have not gotten an update since September 5th.  I find it very hard to believe that my score has not changed by even one point in over 5 weeks.  I have my settings set to show an update when my score goes up by 1 point.  I would think that just by default with my accounts aging, and all bills paid on time my score would climb by at least one point.  Because it has been over a month since the last update, now I can't even use my score reports for the simulator and such.  Pretty much all I can do is post on here.  This is rediculous, and becoming not worth the money.


Starting Score: 460
Current Score: EQ 764, TU 764, EX 740,
BOA AK AIR 30,000, Discover IT 6300, Freedom 25,300, Barclays RMC 15,660, Ring 15,000, BCE 15,000, QS17,000,AARP 15,000, ChaseFU 8,000,AND A LOT MORE!
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llecs
Moderator Emeritus

Re: Frustrated with myfico

In the future, and while it may seem odd (or for me anyway), set your target score to match your current score.

 

Did anything major happen since Sept. 5 other than age? Aging accounts really don't produce a score increase. FICO reads the opened date in relation to the the current month, therefore any change would have occured on 10/1, 11/1, 12/1, etc. One month's worth of aging really won't produce a score increase. It may take months before a score can move due to aging. DW and I pull our scores 2x per month. Between February and July, DW's TU and EQ score didn't change. Yes, it went up and down due to util, but the util was the same in Feb. as July and both scores matched. Any changes you'd see would likely come when your oldest OC account hits another year old, or AAoA moves up one, or your oldest revolving hits an anniversary, etc.

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