MYfico not updating with EXperian FICo score

[Anonymous]

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@Anonymous wrote:
The other day, I had an alert on tu up 9 points due to balence change. Idk what is going on because on my dashboard it's showing down 9 points. I called my fico, and they said it was a 9 point increase, not decrease. Now I'm noticing my experian credit tracker updated 9 points last week, yet my fico experian isn't updating. So annoying. I think something is wrong with my account. I will be calling them today.

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Nothing is wrong (expect for a lousy product design) by design Experian score changes on MyFICO are triggred by very specific things, unless they trigger you won't see a change (even if the score changed)

FICO 3-Bureau Credit Monitoring monitors your credit report daily for:

• Newly opened accounts
• Inquiries from applications for new credit
• Newly listed public records, such as bankruptcies, judgments, and tax liens
• New addresses
• Newly listed collection accounts
• Increases and decreases in account balances (Equifax and Experian only)
• Changes in account status, such as a missed payment (Equifax and Experian only)
• Changes to public records and collection accounts (Equifax and Experian only)
• Fraud alerts placed on file (Experian and TransUnion only)
• New activity on accounts that were inactive (Equifax only)
• Changes to the name listed on your credit report (Equifax only)
• High Revolving Account utilization greater than 75% (Experian only)
• New employment listed on your credit report (TransUnion only)

[Anonymous]

Just called my fico. I had a technical glitch. I have received 2 emails in 2 weeks saying they found no changes. The lady gave me a code to pull the report for free. Sure enough my score jumped to 671. Exactly what experian credit tracker had. I paid down a big balence, so it should have definitely picked that up. Very happy with customer service!!

[Anonymous]

@Anonymous wrote:

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Nothing is wrong (expect for a lousy product design) by design Experian score changes on MyFICO are triggred by very specific things, unless they trigger you won't see a change (even if the score changed)

FICO 3-Bureau Credit Monitoring monitors your credit report daily for:

• Increases and decreases in account balances (Equifax and Experian only)

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What? So myFICO will never show a score change for TU when a balance has been paid off? If so, it means that I'm waiting for nothing because I need to know that TU has updated to reflect my new zero balance before I apply for some credit that I currently require. Right now, myFICO is the only monitoring service I have. It looks like I'm going to have to replace it very soon! 

[Anonymous]

Okay, I've just contacted myFICO customer services as well. The representative I spoke with insisted that TU will produce score updates in the 3-bureau credit monitoring panel which reflect increase or decreases in account balances. I hope she's right. 

[Anonymous]

Yes they will. Experian is very slow to update though.

[Anonymous]

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@Anonymous wrote:
Yes they will. Experian is very slow to update though.

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Since I have the EX credit tracker too, I see changes there days before myFICO changes. 

[Anonymous]

Yup same here! That's why I love experian credit tracker. 😎

[Anonymous]

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@Anonymous wrote:
Yup same here! That's why I love experian credit tracker. 😎

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I had EX Credit Tracker up until 2 days ago. I'm unsure why, but it refused to show me an update after I'd paid off a large credit card debt. The issuing bank of the credit card confirmed that they send resolved debt updates to the 3 credit bureaus immediately... and they even checked TU, EQ and EX for me to confirm that EX was reflecting my zero debt status. It was. But Credit Tracker never updated. Even though I cancelled CT, I still have several days left on my free trail. And it still shows the old credit status with the former CC debt. Maybe they don't actually track a member's credit changes until the trial period ends and service has been purchased? But if that's the case, it would seem kind of erroneous to call the free trail "Credit Tracker", would it not? My CR pull on myFICO rendered the updated zero debt status from EX right away. But it won't seem to update TU's score for me  

[Anonymous]

Hmmm odd.

[FiveOhFour]

My scores have been all over, it makes no sense to me. I will post details and pics later. Score was 780 or so with 2 CRA's and since then it's dropped 50+ points for no real reason, except for a 20 point or so drop for an inquiry last month. A new high end Rewards card account was added with my highest Limit yet and instead of my score going back up it went down another 12 points with at least one CRA, didn't change at all with the other 2 yet. I don't get it.