This is by design so that we have to pay for report refreshes. My CreditKarma Transunion score matched the score that USAA and Barclays gave me last week after most of the collections came off. My CreditSesame was within a couple of points of USAA as well. I can't count Equifax because they still have not removed many of these derogatory lines. I can tell you that my mortage broker did a rescore today comparing it to 3 weeks ago and there was a 20 point increase on the average score.
The whole premise that "daily scores" are monitored was a lie from the get go. If you read through all of the forum info and the replies from myFico, the score driven model isn't even possible the way they are doing it. They are monitoring based on nothing but balance changes, new accounts, and inquiries. If I were to pay big bucks to refresh my reports with them, I would see anywhere from 15 to 40 point increases in myFico scores. They have denied my BBB request for a refund and I have rebutted. They have until tomorrow to comply or the complaint will go live for viewing on the BBB site. Who knows what they will choose to do, but they have lost a customer for life.
When I have something questionable on my USAA monitoring, I can call them and get a courtesy refresh of all 3 reports for free. They have given me 3 refreshes just this month because I explained to them that I had letters from collection agencies promising to delete info. Each week for the last 3 weeks, I have offered to pay for a refresh ($12.95) and they gave them to me for free. Furthermore, they say "Sir, if the collection info is still showing, we can give you another courtesy refresh next week for being a valued customer". Now that is customer service and has earned my loyalty. When this whole ordeal started and I figured out that myFico was screwing the pooch, I asked them for a courtesy refresh and they replied "We don't do that without a fee". These people are money sucking greed mongers who know absolutely nothing about customer service. I personally sell between $20 to $25 Million worth of goods per year in the CPG industry and literally make my living by providing customer service to both my clients and customers (Yes, I am a broker). No one at myFico can teach me a damn thing about customer service. To add insult to injury, they are charging $19.95 per month for something that CreditKarma provides for free and does a hell of a lot better job in the process.
If it weren't for the seemingly many legions of myFico fanboys, they would be doomed, and deservedly so. Somehow though, it seems everyone is overflowing with patience and understanding for these unscrupulous morons. Personally, I wish them nothing but failure for the way that I and others have been treated. They should be happy that I am not wealthy or I would start the class action lawsuit myself. Do yourself a favor. File a BBB complaint to get a refund and go on over to USAA for their Experian 3 bureau monitoring service at $12.95 per month. You get brand new scores along with all 3 reports every 30 days and the customer service is second to none.
