SW actually works! Alert that I'm up 12 pt today.

[My_dog_FICO]

After waiting 16 days for a SW update, I finally got one today. I just went to 573! I open a BOA secure $500 CL and a Discover $1000 CL two months ago. Took a 3 pt hit for the inqs, now a 12 pt increase because I carried a balance or the accounts aged 2 months.

Either way - I'm SOOOO EXCITED. FICO going up (thanks to everyone on this forum) and that ScoreWatch actually sent me a notice. It's like getting a birthday card from grandma with $5 in it. Wheeeeeeee

[Anonymous]

Congrats! Heading in the right direction!

[Anonymous]

FAKO

Oh how I love those alerts!!! CONGRATS!!

Question how did you get a Disc with you scores? Was it the direct rewards?

[thotgal320]

WTG, can't wait til I get point increases.

[Bop]

How did you get a Discover card with your EQ 573 ?  I just joined 600 club and too afraid to apply for any credit card.

[My_dog_FICO]

Bop,  I got a "You've been approved" letter in the mail.  No clue how.  Did the online app and got the "Decision pending 7-10 days".  I figured it wasn't a no, so let it be.  About a week later the card was in my mailbox.

Now that I've ran up $600 bucks on it I realize I need to get my util under 10%.  Hopefully that will give me another 5 to 10 pts.

[octavia]

WTG FAKO!  I always get "pre-approved" offers from Wamu and now Juniper.  I would love an Amex or Discover. My scores are all mid-600s but I'm afraid to take a chance.  I had a Ch13 discharged in 2004.

I already have Orchard ($2000 credit limit, no AF) unsecured and Credit One HSBC ($1,100 credit limit) unsecured.  I think I don't have enough credit.

[My_dog_FICO]

More proof that scorewatch is working - and that you MUST play the game in order for your scores to rise.

I used my discover for an expensive B-day present and didn't pay down the balance to 9% by the reporting date - so my score dropped 3 points.

Reminder to all - play the game and you will win. 

Rules to the game:

1) Pay on time - EVERY time

2) Don't go over the 1-9% on 1/2 of your ccs

3) get rid of those baddies!

[Anonymous]

You Lucky My_Fico_dog....lol!!  I keep gaining and losing the same 6 points....lol!!

[newFICOwatcher]

My previous SW was 644 (on 10/31). I had it set to alert when I hit 645. I received no alerts at all and when I pulled my EQ on 12/01, I had gone up to 646.

Settings as follows:

You will be alerted:

• Whenever your FICO® score changes.


• Whenever your FICO® score reaches a target score of 645
  
• Whenever one of your accounts has a balance increase larger than 100%


• Whenever one of your accounts has a balance increase larger than $500
  
• Whenever one of your accounts shows new activity after being inactive for more than 3 months


• Whenever a FICO® score change could qualify you for a different interest rate on a 30 year mortgage
• (For a score of 646, that means you will receive a score alert if your score goes above 659 or below 640.)