Wallet: FNBO DISC 7.5k, , Chase Freedom 3k & Slate 3k, AMEX BCP 7.5k & AMEX Hilton Surpass 5.5k & Zync NPSL, Walmart 3.3k, CapOne AU 1.5k
pozativelyliving wrote:I haven't viewed my other reports to see what they show yet but when I get alerts for my Score Watch from myFICO, I keep seeing two of my Captial One accounts (one is Orchard but now listed as Cap 1), each of them is reporting twice. These are seen looking at my Account balance increases. I also noticed this last month but didn't think to much of it but they keep reporting like that.
I have another Cap 1 and it only reports once.
Thoughts?
Look at your settings. For example, I have mine set to alert me for any balance increase larger than 5% and also whenever an account has an increase greater than a dollar. So if my balance increase reported is greater than dollar and larger than 5%, I get two alerts for the same account.
100% Ficos: EX 751, TU 731, Walmart TU fico 740, EQ 741
calihlove75 wrote:
pozativelyliving wrote:I haven't viewed my other reports to see what they show yet but when I get alerts for my Score Watch from myFICO, I keep seeing two of my Captial One accounts (one is Orchard but now listed as Cap 1), each of them is reporting twice. These are seen looking at my Account balance increases. I also noticed this last month but didn't think to much of it but they keep reporting like that.
I have another Cap 1 and it only reports once.
Thoughts?
Look at your settings. For example, I have mine set to alert me for any balance increase larger than 5% and also whenever an account has an increase greater than a dollar. So if my balance increase reported is greater than dollar and larger than 5%, I get two alerts for the same account.
+1 -- same for me.
Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 733, TU 724 (05/01/2013), EX Credit Sesame 725 (05/08/2013)
Goal Score: 740+ FICO scores
Take the FICO Fitness Challenge Bronze Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
Cards: Cap1 Venture 6.4k, Cap1 NHCR MC 750, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 4k, Citi Diamond Preferred MC 7.55k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 4.2k, Kay Jeweler's 5.1k
pozativelyliving wrote:Checking those settings I see -
2 of your accounts reported balance increasesYou received this alert because this balance which was previously $0 increased to $656. This exceeded your alert limit of $400.You received this alert because this balance which was previously $0 increased to $656. This exceeded your alert limit of 25%.I know that it's two settings but it lists to accounts.I checked my settings to only receive an alert after my score goes above a certain point. That's now the only one. This balance increase knocked my score down by 15 points. Big drop for what I would call a relatively small increase. Granted, it's on a $750. limit but still.
.Will just repost
I am telling you it is listing it twice because it fit the criteria of both of the alerts. Happens all the time with me and I know I don't have duplicate accounts. If you want to see for yourself, go on equifax site and pretend to file a dispute and you will have access to your up to date report. Its likely treating the card as maxed out since you are reporting over 87% usage. Although I don't know what Fico considers maxed out.
Happens to all of us who subscribe to ScoreWatch and have our settings set to alert us based on a % increase as well as a hard dollar increase. Don't sweat it, it's actually only on your report once and your score isn't getting dinged twice when one account balance increases--even if you get two alerts. 
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.
>> About myFICO
