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Am I the "exception"? Mine works just fine

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Slim1Der
Frequent Contributor

Am I the "exception"? Mine works just fine

I had my reservations directly following my joining the monitoring service. Only due to the fact that I did not read one review about other peoples experiences with it prior to joining. I must say that I was expecting the worst. However, since joining on the 5th of September, I have received every alert that there is. New accounts, new inquiries, score changes and for ALL CRA's not just one or two. 

 

I'm hoping it continues because I will eventually cancel my other monitoring services I have as backup.

EX - 751 EQ - 732 TU - 752
Over $200k in revolving credit lines
10% Overall UTI
BK Discharge Jan 2009
Message 1 of 5
4 REPLIES 4
EW800
Valued Contributor

Re: Am I the "exception"? Mine works just fine

You are indeed very lucky!   It is encouraging to hear that all elements appear to be working for you.  It give me hope that someday, hopefully soon, MyFIco will acknowledge and figure out the issues that many of us are experience.  

 

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
April 2024: EX8: 839; EQ8: 845; TU8: 842 -- Middle Mortgage Score: 822
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .
Message 2 of 5
Scupra
Super Contributor

Re: Am I the "exception"? Mine works just fine

Wow! Lucky you.. My EQ alerts seem to work fine like they always have. I had a balance change of almost 30% taking one of my revolvers down to 12% util and only received a score change on EQ. I got an alert for balance change on EX but no score movement and nothing for TU since I signed up. Good luck!

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 3 of 5
Slim1Der
Frequent Contributor

Re: Am I the "exception"? Mine works just fine

Maybe I spoke too soon!

 

Everything is working fine but TU has only reported inquiries and not much of anything else!

EX - 751 EQ - 732 TU - 752
Over $200k in revolving credit lines
10% Overall UTI
BK Discharge Jan 2009
Message 4 of 5
Slim1Der
Frequent Contributor

Re: Am I the "exception"? Mine works just fine

Spoke too soon again! Just got a flood of alerts from ALL CB's, TU included. It sure is fun watching how my score goes up and down based on all the different things happening on my reports! Glad I got this!

EX - 751 EQ - 732 TU - 752
Over $200k in revolving credit lines
10% Overall UTI
BK Discharge Jan 2009
Message 5 of 5
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