@Anonymous wrote:
@Curious_George2 wrote:
@Anonymous wrote:
@Curious_George2 wrote:Do you have an aged Experian CMS subscription that can serve as a secondary source for old factor orders?
It's really unfortunate that the accurate depiction MF provides in the Scores tab is the ephemeral one, and the persistent one in Reports is corrupted.
I haven't seen any evidence that the EQ factors are out of order here, so one-third of your data is still OK.
To @Revelate and @Anonymous and any other skeptics, I would say: you don't have to take my word for any of this, and it's not a question of whether one accepts the statements of the customer support person. You can check this yourself. Look at the order of EX factors on any MF 3B Report you have available. Are they listed in the same order on the Compare view and the Experian-only view? I bet they are, 100% of the time. Then, if possible, compare that factor order against Experian's CMS for the same date. If they're the same on the F8 score, check the other scores. I expect you won't have to check many to find a discrepancy, though perhaps cleaner profiles with fewer overall factors invoked will mask the problem to some degree.
@Curious_George2 I did not realize any part of the report was ephemeral. I'm disappointed to learn that, are there any other parts of the report that are ephemeral?
I'm certainly not the most experienced MF Premium subscriber out there, but my impression from clicking around is that Scores only shows the one most recent score available. I don't see a way to change the date there.
The only similar thing I can think of is when there's an Alert that also announces a changed F8 score, the Scores tab on mobile (not desktop) will show all of the top-four negative factors for that bureau's F8 score, but only until the next Alert for that bureau. If you're attentive, you can screenshot them before they vanish.
Actually, if you go to "alerts", any of them that show a score change, specifically, will list the 4 negative reason codes for F8 for that bureau (any of the 3). Unfortunately, that is only for F8s and only when they give the specific "score change" and it is not tied to a specific event. Other than the most recent pull(s), you cannot get the correct order for the negative reason codes for past pulls for TU and EX. Truly disheartening. I went through all my reports, and the app/website, just to be certain.
Also, I am only finding these specific score change alerts for TU and EQ woth the negative reason codes. I scoured both mine and my SO's alerts and none were for EX, even with loads of changes. Maybe someone else has different exoerience with this, but EX always seems to be the last and least frequent to give an "alert".
Looks like even though they don't give updated mortgage scores, they alert to interest rate changes, too bad they don't just give the updated mortgage score too...
@Anonymous help me why do I only see the negative Reason Codes with the score change in the mobile app under alerts for TU?