08-22-2012 03:02 PM
SW hasn't updated for me since 8/20. On that date, it reported 1 HP from Capital One. I know that WalMart is now reporting to Experian too. Is my score really frozen or is SW broken?
08-22-2012 03:53 PM
First, inq don't always lower FICO. Second, it usually takes two or three days for a CMS, incl SW to send you an email of the change. If the inq wasn't on EQ then you wouldn't get an email from SW anyway.
With SW, you need to update your score notification every time your score changes in order to continue to get updates of future scorechanges. So, if you haven't done this, you should log in and update that with the most recent score they gave you.
08-22-2012 04:03 PM
SW just updated 8/22:
WalMart TL added $0/500 TL
Score is still 577
Score was 577 on 8/20 when Cap1 did a HP and approved me for a secured card.
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