KipperK wrote:
The thing that puzzles me about this whole thread is the lack of response from a MyFico moderator. There is definitely a problem somewhere in the alerting software, as the lack of alerts have happened to so many...probably many more than take the time to report it here. If they would post that yes, there has been a problem, but they are working to correct it, or offer to make refunds to those who it affected, it would go a long way to restoring their credability.Yet they remain silent about the situation. It am also moderately surprised that they haven't removed this thread as it is damaging their credability.
You ringed? 
First things first to clear the air. I don't work for FICO and never have. All mods are just average Joes and Janes who happened to post more or longer than most.
SW could use a good overhaul. I'd like to see them include more events within the products so more alerts could go out, like removal of baddies like lates, CAs, or other derog info. Maybe add an alert if AAoA changes or if any old account drops off. Or when overall util changes by x%. I'd like to see a general alert if I have been rebucketed (a 90 day aged off my EQ and being my last derog, my score dropped 17 points). None of these would trigger an alert as is now and all of these could change the score.
I would also like it to scrap or change the reasons for an alert. My most famous was that I got an alert for a 20 point increase because.....I added one new inquiry. The inquiry obviously didn't increase my score, but rather other events not explained (it was a baddie falling off) that did it.
Many point out that it is broken. I don't know the answer, but DW and myself just got two new alerts yesterday. Hers dropped by 3 points and mine increased by 4. So alerts have come in. Looking back, between DW and I, we received alerts on 4/20, 3/17, 3/14, 2/21, 2/17, 2/14, 2/10, 1/31, 1/23, 1/13, and 1/10. There are plenty others from years past too. Other than the suggestions above, it is working for us. IMO, it is worth keeping on my end because we pull both reports twice monthly for both of us. That's a lot of money. Instead of paying $12something for a new EQ report (use a discount code-google is my friend), I pay $10.95. So, we save close to $50 each year just through that.
@llecs wrote:
@Anonymous wrote:
The thing that puzzles me about this whole thread is the lack of response from a MyFico moderator. There is definitely a problem somewhere in the alerting software, as the lack of alerts have happened to so many...probably many more than take the time to report it here. If they would post that yes, there has been a problem, but they are working to correct it, or offer to make refunds to those who it affected, it would go a long way to restoring their credability.Yet they remain silent about the situation. It am also moderately surprised that they haven't removed this thread as it is damaging their credability.You ringed?
First things first to clear the air. I don't work for FICO and never have. All mods are just average Joes and Janes who happened to post more or longer than most.
SW could use a good overhaul. I'd like to see them include more events within the products so more alerts could go out, like removal of baddies like lates, CAs, or other derog info. Maybe add an alert if AAoA changes or if any old account drops off. Or when overall util changes by x%. I'd like to see a general alert if I have been rebucketed (a 90 day aged off my EQ and being my last derog, my score dropped 17 points). None of these would trigger an alert as is now and all of these could change the score.
I would also like it to scrap or change the reasons for an alert. My most famous was that I got an alert for a 20 point increase because.....I added one new inquiry. The inquiry obviously didn't increase my score, but rather other events not explained (it was a baddie falling off) that did it.
Many point out that it is broken. I don't know the answer, but DW and myself just got two new alerts yesterday. Hers dropped by 3 points and mine increased by 4. So alerts have come in. Looking back, between DW and I, we received alerts on 4/20, 3/17, 3/14, 2/21, 2/17, 2/14, 2/10, 1/31, 1/23, 1/13, and 1/10. There are plenty others from years past too. Other than the suggestions above, it is working for us. IMO, it is worth keeping on my end because we pull both reports twice monthly for both of us. That's a lot of money. Instead of paying $12something for a new EQ report (use a discount code-google is my friend), I pay $10.95. So, we save close to $50 each year just through that.
Thanks for the reply and to clear my assumption that the moderators worked for MyFico. After reading the various forum messages, I know that some people get alerts, and the system works like it is supposed to. I also know after reading this thread, that they don't work for some people, including my wife and I. Our experience was summed up in my post on this thread 4-11-09. I never contacted MyFico admin or customer service, because after reading messages about others who did, they were offered free pulls, or insisted that they didn't set their alerts properly, or after contacting them, a new alert suddenly appeared. I wanted to wait out the free trial period to see if we would receive any alerts, and if their software worked like advertised. It didn't. I agree that it would be worth the fees if it worked like it is supposed to. Evidently are software problems somewhere.
