Established Contributor
Posts: 569
Registered: ‎11-10-2012


Does SW alert you when accounts fall off your credit report? Can I assume that an increase in my score without a change in my credit is just a creditor reporting? I just purchased SW 2 days ago. :smileyhappy:

Starting Scores: (4/16/12 lender pull) TU 596 | EX 550 | EQ 576
Mortgage Scores:(7/24/13 lender pull) TU 663 | EX 635 | EQ 649
Current Score (11/7/14): TU 664 | EX 605 (no update) | EQ 661
Goals: Removing a $30 30-day late mark on my CR in November 2014 because I was too nice to a friend. Last app 7/16/14 (auto loan)
*** Homeowner 9/27/13*** All but 2 CCs are in the sock drawer!***
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007

Re: ScoreWatch

SW doesn't alert to dropped TLs, dropped inquiries, or dropped balances. However, if your FICo changed as a result of dropped balances, and if your new EQ FICO hit or surpassed your target score, then you'll get a score alert. Your EQ FICO is monitored for changes every 7-10 days.


If any sort of credit alert comes in before those 7-10 days, then you you'll get alerted with your latest EQ FICO. Many make the assumtion that if they get an alert for a balance increase, then their new EQ FICO was the product of that increase. It's not always so as there could be multiple things happening to cause that score change.



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