Well, if the Kroll report is pulling current EQ reports, I don't see how that would happen. FICO scores are generated from the full EQ reports, and if there isn't a balance change on the EQ report, the score won't change. And since SW doesn't alert for balance decreases, the score must have changed for that alert to be generated. And finally, SW alerts generally go out (when working properly) around 2 days after the triggering event.
Is this something that has just started happening in the last few days or so? There was a nightmarish period last month where no alerts went out, and when they finally fixed things, backlogged alerts were issued. But I think (?) that they had the dates of when they were supposed to be issued, so supposedly you would know if it was a current alert or just one that finally shook loose.
Have any of your clients bit the bullet and paid for an updated score report when they get one of the alerts? There's bound to be somebody in that group who can't control their curiosity!
One maddening thing about EQ, including the full reports, is that it displays the date that an account updated as MM/YYYY, instead of MM/DD/YYYY like the other two. So the detective work does get tough.
I know this wouldn't really apply to your situation, but this sort of thing is why I have TrueCredit for my own use. The scores and advice are garbage IMO, but I can tell when things have updated. Since Experian almost always updates within 24 hours of getting info from creditors, it's my bellwether credit bureau!
Is this something that has just started happening in the last few days or so? There was a nightmarish period last month where no alerts went out, and when they finally fixed things, backlogged alerts were issued. But I think (?) that they had the dates of when they were supposed to be issued, so supposedly you would know if it was a current alert or just one that finally shook loose.
Have any of your clients bit the bullet and paid for an updated score report when they get one of the alerts? There's bound to be somebody in that group who can't control their curiosity!
One maddening thing about EQ, including the full reports, is that it displays the date that an account updated as MM/YYYY, instead of MM/DD/YYYY like the other two. So the detective work does get tough.I know this wouldn't really apply to your situation, but this sort of thing is why I have TrueCredit for my own use. The scores and advice are garbage IMO, but I can tell when things have updated. Since Experian almost always updates within 24 hours of getting info from creditors, it's my bellwether credit bureau!