I signed up and paid for this website so that I could access my FICO scores but I'm not impressed. My scores are not updating, my auto, credit card, mortgage and other scores are all based on data from 3/10/21. The simulation score is based on data from when I first signed up with this site. I really don't understand how we are supposed to progress and be successful with increasing and managing our credit scores when we don't have valid, updated data? Based on the data from this site, I applied for a CC, only to be denied because the FICO credit score they used was totally different from what I saw on this site. And guess what?? My score decreased because of the credit check, ugh I am super annoyed.
Are you sure you signed up for the monthly membership and not the one time 3 bureau pull?
Yes! Was charged and paid the $29.99 yesterday, this is just not right.
I agree I'm dealing with a similar issue
If you have questions about your credit score subscription you can call myFICO Customer Service and they can provide account-specific assistance.
They can be reached at 1-800-319-4433 (Mon - Fri 6am to 6pm Pacific Time, Sat 7am to 4pm Pacific Time).
@Grneyedgal wrote:I signed up and paid for this website so that I could access my FICO scores but I'm not impressed. My scores are not updating, my auto, credit card, mortgage and other scores are all based on data from 3/10/21. The simulation score is based on data from when I first signed up with this site. I really don't understand how we are supposed to progress and be successful with increasing and managing our credit scores when we don't have valid, updated data? Based on the data from this site, I applied for a CC, only to be denied because the FICO credit score they used was totally different from what I saw on this site. And guess what?? My score decreased because of the credit check, ugh I am super annoyed.
UGH, I agree. I'm seeing updates on Experian's app (they provide updated FICO 8 only for Experian, and for TU and EQ FICO 8's every 3 months with one of their free products). The delay in MyFICO's app/website is more than just a few days or a week. I don't even know when it will update since I have yet to see it happen.
I've been aggressively cleaning up a lot of my credit report after not looking at the details for a few years and it's so frustrating paying for a product directly from the company that owns these score models, with such a huge delay. Such a waste of money while I have to jump between credit bureau websites to hunt down for separate info to get legitimate updates.
Yes! I've subscribed to several other websites so I could get an estimate of what my scores are, it's frustrating. I totally agree with everything you said.
@Grneyedgal wrote:
Yes! Was charged and paid the $29.99 yesterday, this is just not right.
As UncleB said, please reach out to our customer care team for support.
The $29.95 product updates the FICO Score versions (mortgage, car, credit card) every 3 months.
The FICO Score 8 should be updated when changes are detected.
Cindy_FICO, the most recent three threads in this forum relate to this problem in some way, there is something going on that's systemic at least with some of the accounts on your service. What are the chances this could be looked into? On mine, Experian and Equifax haven't moved a single point since I subscribed almost a month ago, while Transunion has gone from 754 to 779, which is pretty significant, in response to some credit card utilization changes that also alerted on Equifax for me.
I guess I will call and sit on the phone to see what can be done about it but based on other users' postings on here, that often doesn't accomplish anything. This is too expensive of a service for this to be broken for what appears to be numerous people.
To the OP, your mortgage and auto scores aren't going to update other than when you actually pull a credit report, which is once a month or once every three months depending on what plan you have. But the FICO 8 scores on the user dashboard should update frequently as far as I've been led to believe, and experienced in the past.
It's money, they should as they update FICO 8 simultaneously update mortgage and auto. They have the technology but as humans become impatient they know they will move from 3 months to paying every month like me, but they still don't simultaneously update auto mortgage with FICO 8, I'm canceling.