topic Re: score watch alert does not work in myFICO® Product Feedback

score watch alert does not work

csr2274 — Thu, 07 Jun 2012 19:07:36 GMT

I had subscribed for the free trail on 27th and set my alerts, on 30th my Equifax had changes in account and score but Myfico has not pushed any alert. I called up the service desk and complained on the same. I pulled a new report on 30th and i had a score change and as soon as i pulled the report i had alerts coming saying your score has gone up. Whats the point in getting an alert after paying 17$. It has been 7 days i have not seen any alerts, my equifax report has 2 score changes in these 7 days and no alerts on Myfico. Does this alert work in the first place. if i have to keep buying new reports to see the score then why have a membership in the first place.

Re: score watch alert does not work

llecs — Thu, 07 Jun 2012 19:32:56 GMT

What changed on EQ to trigger those score changes?

Re: score watch alert does not work

csr2274 — Thu, 07 Jun 2012 23:21:54 GMT

My score has changed in equifax, one cc account that was not reported from last year has started to report back again

Re: score watch alert does not work

DaveSignal — Fri, 08 Jun 2012 00:20:18 GMT

I get alerts all the time, at least once a week, usually more frequent than that even. Did you set your target score to your current score?

Re: score watch alert does not work

csr2274 — Fri, 08 Jun 2012 00:57:01 GMT

Yes the target score is set to current score only.

Re: score watch alert does not work

DaveSignal — Fri, 08 Jun 2012 01:46:27 GMT

Maybe you need to give it a day after the changes hit your reports. I think SW pulls the reports once a day, but there is no way to know if it pulls before or after the change was made. ie: I received an email today that EQ finished my last dispute investigation and I received the changes that I asked for. I then pulled my reports from my USAA CMS and noticed that the EQ changes that EQ emailed me about were not on the report yet. I bet they will be there by tomorrow, though, and expect to get a SW alert either tomorrow or the following day. I am not going to pay for an extra report immediately after I see the change on my CMS. That would be a waste of money. Personally, I only use SW to monitor my score, not to monitor my credit reports.

Re: score watch alert does not work

llecs — Fri, 08 Jun 2012 01:46:38 GMT

OP, did you get any alert for that CC? Did the DOLA or last reported date change at all in the past year? If it did not change for one year, and the report you got with SW when you subscribed does show a Date Reported of mid to early 2011, then I would have guess that you would have received an alert when that changed. I would have guessed an alert within a day or two of that change.

OP, do you know what day it did change?

I take it you are using a CMS from Equifax.com? If so, ignore the score. That isn't a FICO score. Just because that FAKO score changes it doesn't mean your FICO would change too. Your FAKO from Equifax can increase and your FICO can decrease, and vice-versa. Never correlate the two. However, the report info is good and I've used some of their services before like Credit Complete.

Also to note, a change in the account, or updating, doesn't mean your FICO would change too.

SW has two different types of alerts. One is a credit alert and the other a score alert. If that account had not updated any of its dates since last year, then IMO, you should have received the alert. If your FICO changed it would have come with the alert. If there wasn't enough info with that credit update, and nothing changed to trigger a credit alert, then the fall back is a score alert. Your FICO is monitored weekly for changes provided your FICO changes and is based off the target score. So, if your FICO changed, which it may or may not have, then you'd get that alert within a week or so when it is monitored next.

Re: score watch alert does not work

csr2274 — Fri, 08 Jun 2012 02:04:32 GMT

The last reported date on the CC was May 2011 and now the new report has current month, this happend on 4th and today is 7th. This should have triggred an alert but there is none.

Also i have seen people saying you get two reports as free, i only got one there is no second one as free

Re: score watch alert does not work

DaveSignal — Fri, 08 Jun 2012 02:11:54 GMT

csr2274 wrote:

Also i have seen people saying you get two reports as free, i only got one there is no second one as free

There is the report you got when you signed up, plus the power score report that you pulled = 2 free

Re: score watch alert does not work

csr2274 — Fri, 08 Jun 2012 02:13:25 GMT

The power score report i pulled on 31st was a paid report not a free one

Re: score watch alert does not work

llecs — Fri, 08 Jun 2012 02:36:24 GMT

In your prev. post, you mentioned you paid $17. Was that via Equifax.com or myFICO?

Re: score watch alert does not work

Repo-ed — Fri, 08 Jun 2012 02:41:19 GMT

I get so many updates, it had started to become annoying - as I would not be in front of a PC, and I would want to adjust the target score STAT and would have to do it on my small 4in phone screen.

Re: score watch alert does not work

csr2274 — Fri, 08 Jun 2012 03:31:55 GMT

sorry it was 19.95$ the report was pulled on Myfico

Re: score watch alert does not work

llecs — Fri, 08 Jun 2012 03:43:28 GMT

Per the 2nd report, if you click into the SW product bar, and look under the graph, you should see an option for the 2nd report. Now I always thought the 2nd report wasn't available until you have been subscribed for at least 3 months, but someone corrected me. If that 2nd report isn't showing (w/ the first being used when subscribed), then you should see an option for 30% off future EQ FICO reports. If you do pull a FICO report again do so via that link and you'll save $6 or so. I had been on here for a year paying full price when I realized I could have been saving all along.

Re: score watch alert does not work

csr2274 — Fri, 08 Jun 2012 03:48:02 GMT

Yes i see the 30% reduced price, but why should i be buying it and see the updated score. The score watch should trigger this. On 31st i knew there was a change but didnt get any alert. I purchased it and saw a increase in the score. After 2 hours of purchase i get an alert saying my score has changed.

I dont think the monitroring is happening correctly, or will this happen only when you finish off your trial period and become a memeber.

Re: score watch alert does not work

llecs — Fri, 08 Jun 2012 03:55:39 GMT

Remember though that your EQ FICO is monitored at least weekly, as opposed to daily. If you got a score alert, absent a credit alert for the change in that CC, then it falls back to the monitoring only. If you pulled a new EQ FICO report 3-4 days after subscribing, and saw the score change in the new report, followed by a score alert hours later showing you what you already knew, then that score alert came timely. For best results, immediately set your target score to match your last known score.

Re: score watch alert does not work

gypsysoul — Tue, 12 Jun 2012 14:15:44 GMT

I just pulled a daily report from EQ site to see that a change in both score and an account had been deleted. So... I logged on to MYFICO and bought a new sw report for the real fico score. ( I am subscribed to SW btw). My score actually increased by six points but no alert. At least I get the 30% off, but I have been doubting SW reliability for a few months now.

Re: score watch alert does not work

jon31 — Tue, 12 Jun 2012 14:22:19 GMT

The exact same thing happened to me. i am cancelling today

Re: score watch alert does not work

llecs — Tue, 12 Jun 2012 16:38:04 GMT

gypsysoul wrote:
I just pulled a daily report from EQ site to see that a change in both score and an account had been deleted. So... I logged on to MYFICO and bought a new sw report for the real fico score. ( I am subscribed to SW btw). My score actually increased by six points but no alert. At least I get the 30% off, but I have been doubting SW reliability for a few months now.

SW (and every other service out there) does not alert to dropped accounts. Your score isn't monitored daily either. When did the TL drop?

Re: score watch alert does not work

gypsysoul — Tue, 12 Jun 2012 16:46:02 GMT

I am aware it does not monitor deletions, but I thought it monitors score changes. The item fell off yesterday at some point.