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Anyone uses FICO Score Watch/Quarterly Monitoring?

New Contributor

Re: Anyone uses FICO Score Watch/Quarterly Monitoring?

Thanks for the heads up everyone. I guess I'll pull the trigger on SW then. I'm currently awaiting my WalMart card for the TU FICO goodness, and I am using the AMEX CS for alerts (which I believe is identical to USAA's service).

 

I was on the fence about going the DCU route for EQ FICO, but I'm liking the sound of adjusting the alert settings for score updates on SW. It will also save me two HPs...

Message 11 of 16
Established Contributor

Re: Anyone uses FICO Score Watch/Quarterly Monitoring?

SW never updated for me I hated it followed all the tricks and still nothing, waste of  money.

 

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Message 12 of 16
Regular Contributor

Re: Anyone uses FICO Score Watch/Quarterly Monitoring?

Thanks for all the responses! It's greatly appreciated!

Zync from American Express- NPSL
Amex BCE- $1,000
Discover IT- $1,500
Bank of America 1-2-3 Rewards-$1,000
Chase Freedom- $500
Capital One- $500
Message 13 of 16
Highlighted
Valued Contributor

Re: Anyone uses FICO Score Watch/Quarterly Monitoring?


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
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 14 of 16
Frequent Contributor

Re: Anyone uses FICO Score Watch/Quarterly Monitoring?

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!



MCU $1000 (open 5/2015) I Capital One $3750 (open 4/2012) I Discover IT $2000 (open May 2017)
Starting Score 07/2016: TU 619 I EX 631 I EQ 592 I
Current Score 05/2017: TU 658 I EX 666 I EQ 666 I
Goal Score: All scores between 670-700 by July 2017
Message 15 of 16
Valued Contributor

Re: Anyone uses FICO Score Watch/Quarterly Monitoring?

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.

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Message 16 of 16