migliogiorni wrote:SW never updated for me I hated it followed all the tricks and still nothing, waste of money.
set alert at your current points
your balance increase 1 dollars
5% of account balance..........by this way you get alert everytime your score go up or down.....i got my alert 3 4 times a months.....
Starting Score: 560
In rebuilding stage post bankruptcy and have both SW & QM. I find them both very help. If you are learning about how certain actions reflect your score the stimulators have been on the money for me.it taught me how to manage my utilization and after completing GW letters or disputes, it shows me how it affects my score immediately, and I receive immediate alerts by text and email. I totally love the alert settings. I set the alert at a goal and love when I met my score goals. Pretty cool!
I used both services from when I registered with myFICO until a few months after I purchased my home...I found them useful but once I closed I found I had no use for them anymore....I will probably pick back up the SW after the holidays. The TU quarterly monitoring gets trumped by the walmart TU FICO IMO.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.
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