Contributor
Azumi1
Posts: 101
Registered: ‎08-13-2012
ScoreWatch....Really?!

‎10-27-2012 09:19 AM

Just how slow is ScoreWatch?  I've been added as AU on two Chase cards, and have yet to have received an alert on either . One was reported to Equifax on the 18th, the other on the 21st.  I don't think I will be renewing this service when the 3 months are up. New accounts added should signal an alert as soon as they report, otherwise what's the point?     

From 566 in 8/2012 to..

3/30/13---EQ 700/TR 697/ EX 706

Discover IT 6000, Amex BCE 7500, FNBO Amex 3500, Cap 1 platinum 2000, Orchard Bank platinum 1000, Best Buy 1000, Merrick Bank 800, Target Visa 500
(771 Views)
 
Valued Contributor
Duncanrr
Posts: 2,496
Registered: ‎06-08-2012
Re: ScoreWatch....Really?!

‎10-27-2012 09:58 AM

It does seem to be sporadic sometimes. Make sure your SW settings are properly setup.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 678 TU 702 (Amex pull) EX 724 (Amex) CK 682 (FAKO-EX 684, EQ 684, TU 684)
Goal Score: 750
Take the FICO Fitness Challenge
(755 Views)
 
Contributor
Azumi1
Posts: 101
Registered: ‎08-13-2012
Re: ScoreWatch....Really?!

‎10-27-2012 10:04 AM

An account being added is supposed to be an automatic alert regardless.
From 566 in 8/2012 to..

3/30/13---EQ 700/TR 697/ EX 706

Discover IT 6000, Amex BCE 7500, FNBO Amex 3500, Cap 1 platinum 2000, Orchard Bank platinum 1000, Best Buy 1000, Merrick Bank 800, Target Visa 500
(748 Views)
 
Contributor
rkb84
Posts: 80
Registered: ‎09-28-2012
Re: ScoreWatch....Really?!

‎10-27-2012 10:04 AM

How often do I get a new report? My score has changes 2 times in the last few weeks, but no new report.

(747 Views)
 
Contributor
Azumi1
Posts: 101
Registered: ‎08-13-2012
Re: ScoreWatch....Really?!

‎10-27-2012 10:10 AM

You get one when you first sign up, and you get one more for free to use whenever. After that you have to purchase at a discount.
From 566 in 8/2012 to..

3/30/13---EQ 700/TR 697/ EX 706

Discover IT 6000, Amex BCE 7500, FNBO Amex 3500, Cap 1 platinum 2000, Orchard Bank platinum 1000, Best Buy 1000, Merrick Bank 800, Target Visa 500
(742 Views)
 
Valued Contributor
beb86
Posts: 1,096
Registered: ‎10-31-2011
Re: ScoreWatch....Really?!

‎10-27-2012 09:00 PM

Azumi1 wrote:

Just how slow is ScoreWatch?  I've been added as AU on two Chase cards, and have yet to have received an alert on either . One was reported to Equifax on the 18th, the other on the 21st.  I don't think I will be renewing this service when the 3 months are up. New accounts added should signal an alert as soon as they report, otherwise what's the point?     

Its not SW... Every creditor is different when it comes to updating to the CRAs

ccpics2.jpg
(652 Views)
 
Regular Contributor
AJC1987
Posts: 128
Registered: ‎03-29-2009
Re: ScoreWatch....Really?!

‎10-27-2012 09:05 PM

I spoke to a MyFico rep this week and she said it could take up to a month to update because of the CRA's timelines.
Starting Score: 570
Current Score: EQF: 756.... 10.25.2012 TU: 759.....10.25.2012 EXP: 744 (vantage score)..... 10.25.2012
Closed on first house! 12.10.12
Goal Score: 750

Take the FICO Fitness Challenge
(650 Views)
 
Contributor
Azumi1
Posts: 101
Registered: ‎08-13-2012
Re: ScoreWatch....Really?!

‎11-01-2012 09:10 AM

So I broke down and bought a power report, the two accounts were on there, unfortunately they didn't have the impact I was expecting. My score went up 1 point, even though one account was over 30 yrs old with a perfect payment history and raised my aaoa to 8 yrs. My score hasn't moved much since I was "rebucketed" last month and lost 20 points for no reason.  I'll be cancelling my subscription in Dec. This just seems too much like a racket to me.

From 566 in 8/2012 to..

3/30/13---EQ 700/TR 697/ EX 706

Discover IT 6000, Amex BCE 7500, FNBO Amex 3500, Cap 1 platinum 2000, Orchard Bank platinum 1000, Best Buy 1000, Merrick Bank 800, Target Visa 500
(549 Views)
 
Moderator
Moderator
llecs
Posts: 31,424
Registered: ‎08-04-2007
Re: ScoreWatch....Really?!

‎11-02-2012 10:48 PM

Azumi1 wrote:

So I broke down and bought a power report, the two accounts were on there, unfortunately they didn't have the impact I was expecting. My score went up 1 point, even though one account was over 30 yrs old with a perfect payment history and raised my aaoa to 8 yrs. My score hasn't moved much since I was "rebucketed" last month and lost 20 points for no reason.  I'll be cancelling my subscription in Dec. This just seems too much like a racket to me.

I don't think you would get an alert for the two new AUs because of the backdating. It's looking for new accounts with a new open date, as opposed to a new-old account with an open date of months/years ago.

(461 Views)
 
Established Contributor
gettnthere
Posts: 899
Registered: ‎06-14-2012
Re: ScoreWatch....Really?!

‎11-03-2012 07:30 PM

Azumi1 wrote:

So I broke down and bought a power report, the two accounts were on there, unfortunately they didn't have the impact I was expecting. My score went up 1 point, even though one account was over 30 yrs old with a perfect payment history and raised my aaoa to 8 yrs. My score hasn't moved much since I was "rebucketed" last month and lost 20 points for no reason.  I'll be cancelling my subscription in Dec. This just seems too much like a racket to me.

Those type of things are going to happen to your report and/or score whether you have a SW subscription or not. Having a service like SW will actually give you an advantage because you will be on top of whats going on with your report instead of blindly guessing IMO. :smileyhappy:



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
(439 Views)