FICO 3-Bureau Credit Monitoring

[ddemari]

this is for the administrator, will the mobile app get the bugs fixed too? I use it all the same and I am disappointed I can not review my reports and info on the mobile app. 

[sdwalt]

This is killer and if it works right will be the best product out there. I am going to cancel my USAA service and just have this. For five more dollars a month then SW, it is well worth it. I called and upgraded today and it was fast and painless.

[Swapmeet]

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@sdwalt wrote:

This is killer and if it works right will be the best product out there. I am going to cancel my USAA service and just have this. For five more dollars a month then SW, it is well worth it. I called and upgraded today and it was fast and painless.

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This is the exact thing that I did...hahaha.

[Divaofsongs]

WoooHoooo!!!!!!!!!!!! I am happier than a vampire at an overstocked blood bank! I called today and upgraded to this service and I am just estatic. It is funny how something as simple as being able to watch all 3 of my FICO scores increase and improve as I rebuild and recover from my BK, can bring me such joy.

I have a feeling there are going to be countless posts in the near future with experiments being conducted on the change in scores based on a myriad of parameters such as utilization, adding or paying off an installment loan, or having one card report a balance and all others at zero, etc. I am sure it will prove to be not only fun, but informative.

It will also be nice to see the score effect of baddies dropping off as they age off my report, or when I pay off/pay down my auto loan, etc. I am just so excited!

@ the admins: If I could just make a couple of suggestions (it never hurts to try).................. It would be nice if there was some sort of red flag to indicate which tradelines are having a negative effect on the FICO score. This is a feature on the FICO Standard reports and I find it to be very useful. How hard would it be to add this feature to the reports provided for this service?

Also, how hard would it be to add the DOFD to any accounts with a negative indicator on a credit report? This would be nice to have so I can estimate when it will be falling off, and more importantly, so I can verify the accuracy of the DOFD. I have recently found that several of my accounts had an incorrect DOFD reporting, especially on the collections, and disputing those and having them corrected to show the correct DOFD resulted in the fall off date being way sooner that what it would have been if I did not dispute it for accuracy of DOFD.

Thank you MyFICO.com for such a wonderful product, and great community. This whole website has been invaluable this past year as I am recovering from my BK. I would have had no idea how to even begin to rebuild without this great community. I love MyFICO.com.

EDIT: I just looked at my 3 Bureau Report and under the "credit at a glance" tab, there is a line for accounts with "negative indicators" but I do not see anywhere on the report that indicates which accounts are the ones that have negative indicators. Is there a way to add some sort of indication so we know which accounts fall into this category?

[EW800]

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@Anonymous wrote:

Hey, I'm Karin and a myFICO team member. We’re always interested in getting new ideas from our users. Can you help me understand why would you want the older score version? 

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Hi Karin,  

The older version, FICO 04, is the version used by nearly all mortgage lenders.  FICO 08 is great, however for those seeking a mortgage in the future can find 04 to be much more useful.  Any chance you can inquire about this possibility?

Thanks.  

[ddemari]

U can buy your fico04 from equifax.com

Its their powerscore

[lonelyisland]

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@ddemari wrote:

this is for the administrator, will the mobile app get the bugs fixed too? I use it all the same and I am disappointed I can not review my reports and info on the mobile app. 

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Hey Ddemari - 

I posted a few bugs I found on the mobile website on a seperate thread called "Mobile Bugs" If you add anything else you saw, I bet they will get this stuff fixed faster

http://ficoforums.myfico.com/t5/myFICO-Product-Feedback/Mobile-Website-Bug/td-p/3368915

[mrldp40]

i agree DOFD   would be  very helpful 

[ddemari]

Done and Done  

[EW800]

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@ddemari wrote:
U can buy your fico04 from equifax.com

Its theirpowerscore

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Correct.  I purchase it from them (EQ) about every 60 days.  I would rather purchase it from MyFico if it were available.