Well, you FICO people need to do some market analysis. You're losing a fortune by not selling a scores-only package. The FICO reports don't show the day of the month when a creditor reports, which makes it pretty near impossible to time payments accurately for 19% utilization. So I wind up paying whatever it is per month to TrueCredit in order to monitor my reports 5 or 6 days a week, ignoring their FAKO scores, and hoping not to get thrown off. When I do buy a FICO score, the report itself is just one more stack of paper.
If you offered a daily monitoring service (with full dates!) and a separate scores-only package for the truly obsessed among us, you could all be telecommuting from your yachts. Keep the other products going, too, whatever. But forty-five minutes reading these forums would let you know how much business you're not getting with the current choices.
Goodness, I'm cranky today. It's been a long week!
If you offered a daily monitoring service (with full dates!) and a separate scores-only package for the truly obsessed among us, you could all be telecommuting from your yachts. Keep the other products going, too, whatever. But forty-five minutes reading these forums would let you know how much business you're not getting with the current choices.
Goodness, I'm cranky today. It's been a long week!
Feeling better this week, Hauling?
How about a package for you "truly obsessed" folks where you could receive scores on an hourly basis? (JK) 
I do appreciate your excellent suggestions and will share them with our marketing people.
Barry
Yep, I bounced back.
Hourly, though, that's ridiculous! Crazy. Although it might be sorta cool... No, that's ridiculous!!! Get thee behind me, Satan!
Hourly, though, that's ridiculous! Crazy. Although it might be sorta cool... No, that's ridiculous!!! Get thee behind me, Satan!
@haulingthescoreup wrote:
Well, you FICO people need to do some market analysis. You're losing a fortune by not selling a scores-only package. The FICO reports don't show the day of the month when a creditor reports, which makes it pretty near impossible to time payments accurately for 19% utilization. So I wind up paying whatever it is per month to TrueCredit in order to monitor my reports 5 or 6 days a week, ignoring their FAKO scores, and hoping not to get thrown off. When I do buy a FICO score, the report itself is just one more stack of paper.
If you offered a daily monitoring service (with full dates!) and a separate scores-only package for the truly obsessed among us, you could all be telecommuting from your yachts. Keep the other products going, too, whatever. But forty-five minutes reading these forums would let you know how much business you're not getting with the current choices.
Goodness, I'm cranky today. It's been a long week!
I am with you totally but to be honest FICO exists to make money period. What would you pay for a score? $5? Not enough for the monster I'm afraid. FICO gets a minimum of $12.76 sometimes full price for both scores and reports. Enough said I don't need any grief.
I wonder whether FICO must pay some sort of fee to the CRA's whenever a FICO report is pulled? Because, I'm sorry, but there can't possibly be any other significant cost generated when a score is requested. Whrrr, whrrrr, click, there it is. It's not like the goblins at Gringott's have to go chip it out of gold or something. It's just an electronic result of a math formula.
Unless FICO has to cut a check to EQ, TU, and EX every time, they could put together one heck of an enticing score package.
And srsly, why can't they display the exact date that an account is updated?
Unless FICO has to cut a check to EQ, TU, and EX every time, they could put together one heck of an enticing score package.
And srsly, why can't they display the exact date that an account is updated?
haulingthescoreup wrote:
I wonder whether FICO must pay some sort of fee to the CRA's whenever a FICO report is pulled? Because, I'm sorry, but there can't possibly be any other significant cost generated when a score is requested. Whrrr, whrrrr, click, there it is. It's not like the goblins at Gringott's have to go chip it out of gold or something. It's just an electronic result of a math formula.
Unless FICO has to cut a check to EQ, TU, and EX every time, they could put together one heck of an enticing score package.
And srsly, why can't they display the exact date that an account is updated?
Yes, Hauling, myFICO does have to pay the credit bureau for every report and score that's pulled, and our cost isn't any less for just the score than the whole package. And, as for why we don't display the exact date an item is updated, the bureaus don't provide us with that degree of detail so we're unable to provide it to you.
Barry