Has anyone used myfico.com to monitor their credit score? I signed up for it a week ago and it's supposed to notify you if there's a change. I have it set up so it will notify me if it goes up by one point but there isn't an option for if it goes down. I'm between my 341 and discharge and not everything has shown up on my credit report yet, so I keep expecting to get a notification that my score has changed. If you have used it, did they notify you like they are supposed to?
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IT automatically lets you know if there is a downward change.
When you first pulled it were your BK accounts already showing $0 balance? If not, you'll see change as those get updated, and ultimately you can send a dispute for any that do not update on their own. (I had one collection that updated to show BK but it still showed a balance owed.)
If everything is already showing as it should, you probably won't see alot of change right now.Most of my information is from personal experience or HOURS and HOURS of online research. When you're searching online, keep in mind there is no guarantee that the info is completely up to date, and your situation is unique from anyone else's. Do your homework, and consult with an attorney so you can make an informed decision. -
Only about 1/3 of the accounts are even showing that I filed (that was on the day of my 341 and of course I only have one "free" report left so I don't want to use it up. But I'm assuming nothings happened since My Fico isn't reporting a change in my score. I guess I'm just being impatient. I thought I would start seeing changes as things were reported, but I guess it's a slow process.Comment
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