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@LilyBee wrote:I, for one, am hoping that MyFico is right on track!
See my latest scores below.
I'll say! While 850 is the maximum possible FICO 8 score, I've not become aware of anyone who's actually attained it until now. And you've done it with all 3 bureaus! Great going Are you going to deface the perfection by applying for financing sometime soon? Just curious.
Thanks, FicoF. No, I'm going to bask in the glory of reaching a pinnacle of some sort. I was able to capture a photo of the Big 3, and have it on my wall at home.
At some point I will have to purchase another car; my beautiful 1995 Eldorado may be on its last wheels. But, since I'm allergic to credit cards, I won't be maxing out any of them anytime soon.
@LilyBee wrote:Thanks, FicoF. No, I'm going to bask in the glory of reaching a pinnacle of some sort. I was able to capture a photo of the Big 3, and have it on my wall at home.
That's very cool! I think I'd do the same
I'm wondering why MyFico has not updated yet. I was Discharged from a Chapter 7 06/15/2015 and Trans has everything showing as zero balance which resulted in Credit Karma scores going up. I'm really curious to see what my true scores in realtime are looking like at this moment. I know once, the other two bureaus updates, my report will be cleaned completey. Why isn't MyFico showing my current score? What is the point of paying almost $25.00 a month for stale scores to just sit there. I'm not a happy camper. I NEED TO KNOW MY SCORES. So, I can know when it's safe for me to go an apply for an auto loan amongst other things.
MzOptimistic: I truly sympathize. Please see my recent post titled "myFICO fail " ... you have a valid complaint concerning: why pay for a service that doesn't work? And that's why I've just cancelled my myFICO services. I actually think it's quite a shame. They have so much potential and there are many great features on their membership-access website. But their alert updating system seems highly glitched and their customer service people don't appear very concerned about that. It's sad
MzOp:
Although I cannot answer your question, I have an observation about your issue. If the BK was discharged on 6/15/15, it will take some time (probably a couple of weeks, if not more) for MyFico to issue changes to your scores. For example, while two of my 805 scores were posted in December and February, the third 805 didn't post until June. I don't think they make instant changes, much to our chagrin, disdain, or impatience. They not only have to coordinate with all three bureaus, but also with the speed and workload of their employees. I understand, however, your wanting to know the results right away.
On another issue, I don't know why anyone would pay $25 a month for scores or updates unless they have an inordinate number of credit cards and charges. I'm rather frugal, so I only check my scores once or maybe twice a year when Myfico offers a 15% or 20% discount. But, different strokes for different folks.
Good luck with this. Fico can be a valuable tool to help us get our finances in order.