Unable to purchase new Score Power Report (Equifax)

[Anonymous]

Hello all..Just a question for anyone who might be able to help..This morning I wanted to purchase my scores and reports from all three agencies, which I have done twice before..It let me buy Transunion & Experian but gave an error code of 713 for the Equifax one. And after the error code We were "locked out" This was identical for both mine and my husbands account. After numerous phone calls to MyFico cust. rep they reset the accounts several times but then  when trying again the same thing happened over agian. I Also contacted Equifax directly to see if there was any FA or something that would prevent them from sending that to Myfico but they assured me that there was nothing on there. They said everything was fine..We also went over all the information to make sure it matched which it did...Any Ideas? Thanks in advance!

[Anonymous]

I had the same experience. Can't get score power reports from Equifax. Contacted customer support and they said it's a technical problem and they're working on it.

[Anonymous]

Well I guess I am not alone then..Hmm Did they say how long it might be? I still can't access those reports..Anyone else having this trouble? Of course now I have like 5 charges on my card for these and no report..

[Anonymous]

Wow - so I am not alone.

Does this mean they'll charge me for the 3-credit-score product even though the transaction failed? How do I rectify that then?

And is this error an Equifax database error, or something wrong at MyFico's end? Either way it's very puzzling.

[haulingthescoreup]

I've found customer service really helpful in the past--they've always given me a free score pull or whatever when something goes wrong. I think if you just tell them what you've posted here, you'll get a refund, etc, especially since they know the system was down.

[Anonymous]

This past June, I had problems trying to obtain my free Equifax report through annualcreditreport.com.  I called Equifax customer service, and they "reset" my account, but I still couldn't access my report.  I called back, and a different Equifax rep blamed annualcreditreport.com for the problem.  I emailed annualcreditreport.com about the issue, and they pointed the blame finger at Equifax.  I finally ended up having Equifax mail me my report. 

[SpecFile]

I just received the same Error 713.  I called myfico and they said it was a technical issue and they are working on it.  The rep suggested that I go to equifax.com and purchase my score there.  I asked if the score I would receive from the equifax site was a fico or fako and the rep said it was a beacon fico score. 

[Anonymous]

I wanted to clarify a couple of points.

One, if you purchase FICO Credit Complete or FICO Standard and we cannot deliver a report, we do not charge you.  You may see a pre-authorization charge, but that is only to make sure the credit card is valid.  If we cannot deliver the report, then this charge falls off within 1 to 2 business cycles depending on your bank.

Two, for security reasons the identifying data we submit to Equifax must match exactly with the data they have for you in their files.  If it does not, then sometimes we cannot deliver the report to you.  It does not necessarily mean there is a fraud alert on your file, just that there is something that doesn't match up, like an address.  We've found that sometimes if you use Apartment numbers, like #12 or Apt 4F, we get an mismatch.  If you call Equifax they will likely not be able to see the issue. 

We are constantly working with Equifax to correct these data format / mismatch issues, but sometimes there are mismatches that prevent us from delivering the file.  In these rare  cases, you do have to go directly to Equifax to pull your file and yes, they are the only bureau that can deliver you a FICO score.

I hope this makes this issue a bit clearer.

[SpecFile]

Thanks for the clarification Jen.

[Anonymous]

Hey Jen,

In my case what's surprising is that I got all 3 scores from MyFico in July. I haven't changed addresses or anything since then. So it's baffling why it does not work now.

Also you said Equifax is the only other place outside of MyFico that will give a true FICO score.

So what happens if a similar error happens for TU or Experian? In that case are we permanently locked out of ever getting a true FICO score for two bureaus?