Uh oh. I don't like this at all. I really really need to rely on the updated scores!
Starting Score: 615
The only ways I have EX update from MF is:
- Non-trivial balance change (and I mean non-trivial)
- New account
- Address change
I know there are others which supposedly do but the fact is my balances don't often change that much and as a result I don't get much in the way of EX updates. Unfortunate to say the least.
@Imhotrodcrazy wrote:I subscribe to the Myfico 3 reports. I get my updates on EQ and TU without problems. My EX score has been 814 for at least two months without movements regardless of what I have reporting. Today, I log in and my score on EX is as usual, 814, and I decide to get my free yearly 3b reports that came due on 8-27-15. So, when I get my new 3b reports, EX shows a 15 point drop on my new report. I go back to my dashboard, and low and behold it shows 799 now. My point is, why pay for something that you don't get? I think I will be dropping my subscription with Myfico. Just a rant, i got it off my chect.
+1 to Revelate's comment.
OP, you simply do not have enough balances reporting, and reporting changes, to trigger EX to show you anything.
With the 3-bureau monitoring, you would be getting updates from EQ for smaller changes in individual balances, and then TU with the overall bankcard balance changes. The trending on these two (if it starts to get a ways away from EX) should indicate a similar shift in EX; it's just not triggered to display.
In the 10 months I've had the monitoring, my Alerts stats are:
EQ = 191
TU = 127 (including generalized "Factors affecting your score")
EX = 83
It's just not in the design of the EX reporting to happen all that often.
@Anonymous wrote:I have experienced issues with Experian and myFICO. myFICO blames it on Experian. There are plenty of threads that document the issue in
There are 5 of those threads on the first page alone in that forum. And this one will likely get moved there where no one goes.
I posted a thread a while back about it. I have read the "triggers" literature, I am well aware of what the EX triggers are and myFICO does not seem to keep up.
In this case they do blame correctly to my knowledge; it is a set of 3 OEM products purchased from the individual bureaus in question which FICO Consumer bundles together.
CCT is apparently a newer more consumer friendly version whereas the original ones were designed for the lenders; certainly EX's was when you look at their list.
