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I got a ScoreWatch alert today but I didn't get ANY change in my score! It was the only change in my report (I compared it to my USAA CMS report updated today), so why wouldn't I get some kind of bump? It's a closed account, could that be the reason? They lure me in to believing that my Fico score could go up, then BAM! No increase to be found. Do I have to wait a day or so before the new score is calculated?
Ugh.
Description: Closed or Paid Account/Zero Balance
Auto Loan
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Any credit change would have resulted in a FICO change, if that change had led to a score increase. What changed within the TL? MyFICO and USAA only show the last two years of history. Did any lates drop? You can have a "paid as agreed" but still have lates showing in the past.
Part of the alert is redacted. What is the before and after comments change?
The TL hasn't changed any, but the comments and payment status changed in my favor.
Ugh. Still...
I feel your pain. I have had some major things happen that I thought would surely cause a score increase. I got nothin. And other times I got more than I would expect. You just never know.
if you have other negative tl's remaining, then don't expect a Fico increase.