03-08-2013 09:47 PM
So I've been busy making phone calls and trying to clear up a bit of the mess I have on both TU and EQ, mainly under Collections. I had a couple things that should have been removed and a couple that needed to be cleared. I also have a foreclosure that I was able to sell as a short sale at the end of December. They reported the sale on January 10th, so I was told it should be gone no later than March 10th.
How soon should I be checking to see if any of this has been resolved? I'm also curious if making another purchase on this site is the easiest and cheapest means to get an accurate update, if I have already used my free annual reports for the respective sites.
I'm sure these seem like silly questions and I'm being impatient, but I need to replace my car very soon. Getting these off my credit should hopefully enable me to get a better approved rate than the 20.5% I was being offered a couple weeks ago.
Thanks for you input.
03-09-2013 08:00 AM
03-09-2013 08:16 AM
If you have to pay to see your report, I would go directly to the CRAs to get those. They have more detailed information on them. As for scores, you can get the TU and EQ here. I'm not sure you can get just a score though.
03-09-2013 08:41 AM
03-09-2013 09:16 AM
03-09-2013 09:21 AM
Me and my spouse are both signed up for score watch. This morning he received an alert about a score increase because an old joint car loan had removed lates. I am yet to receive my alert and when I check it shows nothing for me yet. That makes me pretty sure that the alerts arent immediate.
03-09-2013 09:34 AM
That is interesting. I almost forgot about utilizing SW and how often it updates. That could help me out as well.
No worries on the derailment @Crossdivided. Seems like your question was able to benefit me and I'm sure others too.
03-09-2013 09:39 AM
Speaking of that (sorry for derailment), anyone know how often SW monitors changes? Once/day, realtime, etc.
Curious to know this. I had a major removal last night (been checking results 2x/day so I know it was late last night). It was a car payment showing currently late so I KNOW there will be atleast a slight increase, but no SW alert yet so I'm guessing it doesn't scan EQ constantly in realtime.
SW monitors for changes every 7-10 days you can change your setting within SW to alert you when needed.
03-09-2013 11:14 AM
Definitely not real-time. Probably some sort of a batch job that runs x/day. I have both ScoreWatch and USAA Premium Credit monitoring and I ALWAYS get the alert from USAA first.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.