In the settings, what did you set your goal score to?
Starting Score: EQ 583 TU04 619 EX 592 (lender pull) 2010
@chevyman wrote:
Just wondering scorewatch gives the accurate fico score
Yes, scorewatch gives the Equifax Beacon 5.0 FICO score.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
There are 2 big things you need to know about Scorewatch alerts
1) you don't always get them immediately. If your score changes tomorrow due to something that wouldn't cause a regular alert (somethng listed in the settings), you may not get any alert at all for 7-10 days. Collections or lates going away or your balances decreasing are not regular-alert-causing events. If it changes due to one of the other events (new account, new collection, balance increases based on your notification threshold) and there's a score change affiliated with that, you'll get a notice.
2) To get alerts, your score change has to have "crossed" your goal score. If your current score is 550 and you have your goal score set at 600 and your score has hit 599, ScoreWatch will not tell you. If your current score is 550 and your goal score is set at 550, you will get a notice if it goes to 551 or 549 or anything else. Heck, I've gotten "score change" notices when my score was exactly the same. Basically, always update your goal score when you get an alert to whatever your current score is.
@mauve wrote:There are 2 big things you need to know about Scorewatch alerts
1) you don't always get them immediately. If your score changes tomorrow due to something that wouldn't cause a regular alert (somethng listed in the settings), you may not get any alert at all for 7-10 days. Collections or lates going away or your balances decreasing are not regular-alert-causing events. If it changes due to one of the other events (new account, new collection, balance increases based on your notification threshold) and there's a score change affiliated with that, you'll get a notice.
2) To get alerts, your score change has to have "crossed" your goal score. If your current score is 550 and you have your goal score set at 600 and your score has hit 599, ScoreWatch will not tell you. If your current score is 550 and your goal score is set at 550, you will get a notice if it goes to 551 or 549 or anything else. Heck, I've gotten "score change" notices when my score was exactly the same. Basically, always update your goal score when you get an alert to whatever your current score is.
Even with #2, don't expecdt the alert to immediate. SW says that it will check score change once a week, but my experience have been more like every 2 weeks.
My Starting Score: EQ: 691 (11/30/11) TU98: 726 (11/30/11)Yeah, and you can set it up to alert you even if there is no change. You'll get an email saying "ScoreWatch has detected no changes in your credit report" periodically, so you'll at least then know.