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How do I "un"-pause my subscription?

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Regular Contributor

How do I "un"-pause my subscription?

I paused my subscription for 6 months (until 5/4/19) because I did not plan to do anything credit wise, did not want to pay while I was in the garden and since I just refinanced my home I didn't want to see the drop in score Smiley Sad

 

Now I am getting email notifications from WalletHub that my Chapter 13 fell off my TransUnion report and I want to verify.

I filed in Nov 2013 so the 7 year mark is notr until Nov 2020...???

 

Should I bother unpausing my subscription or is WalletHub known for this type of inaccuracy?

Chapter-13 filed 11/13 discharged 06/16
Starting MyFico Scores 09/16 - (EQ 630 | TU 581 | EX 592)
Current Scores 1/18 - (EQ 722| TU 690 | EX 718)

| | | | | |
---- $4,150 ---- | --- $28,000 -- | --- $18,100 --- | ---- $9,000 --- | --- $10,000 --- | --- $10,000 --- | ---$5,500 ---
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Valued Contributor

Re: How do I "un"-pause my subscription?

Wallethub, in my experience, has been accurate with such alerts. But you could first pull your free annual report (annualcreditreport.com) for Transunion to confirm it's gone - then, if so, get your scores.

If it did, in fact, drop - Congrats!
Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


Starting FICO 8s | 09/06/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 05/04/2019: EX 745 ✦ EQ 724 ✦ TU 737
Current FICO 9s | 05/04/2019: EX 753 ✦ EQ 751 ✦ TU 732
Highest FICO-8 Ever | 10/2018: 780 [on dirty report]

2019 Goal Score | 780s


My AAOA: 2.5 years not incl. AU / 2.8 years incl. AU
My AoOA: 6.3 years not incl. AU / 8.3 Years incl. AU
Report Status: Clean

Tending my Garden til 2/2021


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 2 of 7
Regular Contributor

Re: How do I "un"-pause my subscription?

Would it be unheard of to have TransUnion drop it 21 months early?

Chapter-13 filed 11/13 discharged 06/16
Starting MyFico Scores 09/16 - (EQ 630 | TU 581 | EX 592)
Current Scores 1/18 - (EQ 722| TU 690 | EX 718)

| | | | | |
---- $4,150 ---- | --- $28,000 -- | --- $18,100 --- | ---- $9,000 --- | --- $10,000 --- | --- $10,000 --- | ---$5,500 ---
Message 3 of 7
Regular Contributor

Re: How do I "un"-pause my subscription?


@raisemysc0re wrote:

I paused my subscription for 6 months (until 5/4/19) because I did not plan to do anything credit wise


We're on the same boat. I'm paused until May 27th 2019. I just spoke with a MyFICO rep and she stated unfortunately they have to wait until the pause runs out. The work around is cancelling the subscription entirely and then resubscribing, but you will lose all previous information on your MyFICO account. I decided to just wait out the pause.

 

I recently subscribed to Equifax's 3B reporting in January - a $1 trial for 7 days and $20 a month afterward. Like you, I just want to confirm something on my report then I'll be cancelling it after February's refresh.


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Message 4 of 7
Administrator

Re: How do I "un"-pause my subscription?


@Zolomon wrote:

@raisemysc0re wrote:

I paused my subscription for 6 months (until 5/4/19) because I did not plan to do anything credit wise


We're on the same boat. I'm paused until May 27th 2019. I just spoke with a MyFICO rep and she stated unfortunately they have to wait until the pause runs out. The work around is cancelling the subscription entirely and then resubscribing, but you will lose all previous information on your MyFICO account. I decided to just wait out the pause.

 

I recently subscribed to Equifax's 3B reporting in January - a $1 trial for 7 days and $20 a month afterward. Like you, I just want to confirm something on my report then I'll be cancelling it after February's refresh.


That is correct - right now we don't have an unpause feature. Here are some options: wait out the pause period, or cancel and re-subscribe. You can also get a free report as mentioned on annualcreditreport.com  

Message 5 of 7
Regular Contributor

Re: How do I "un"-pause my subscription?

I went the Equifax 3B route.

The BK-13 is still showing up on my TU report... Smiley Sad

I did not have a lot of hope that it would actually be gone 21 months early though...

One Question on the EQ subscription...

Is the scores FICO-8 or FAKO?

Chapter-13 filed 11/13 discharged 06/16
Starting MyFico Scores 09/16 - (EQ 630 | TU 581 | EX 592)
Current Scores 1/18 - (EQ 722| TU 690 | EX 718)

| | | | | |
---- $4,150 ---- | --- $28,000 -- | --- $18,100 --- | ---- $9,000 --- | --- $10,000 --- | --- $10,000 --- | ---$5,500 ---
Message 6 of 7
Highlighted
Regular Contributor

Re: How do I "un"-pause my subscription?


@raisemysc0re wrote:

I went the Equifax 3B route.

The BK-13 is still showing up on my TU report... Smiley Sad

I did not have a lot of hope that it would actually be gone 21 months early though...

One Question on the EQ subscription...

Is the scores FICO-8 or FAKO?


Equifax 3-Bureau credit scores are each based on the Equifax Credit Score model, but calculated using the information in your Equifax, Experian and TransUnion credit files. Third parties use many different types of credit scores and will not use the Equifax 3-Bureau credit scores to assess your creditworthiness. I hope this helps... Smiley Happy

Current myFICO 3-Bureau FICO Score 8 and FAKO scores:



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