Valued Contributor
Posts: 1,228
Registered: ‎05-10-2012
Re: No score alerts--why am i paying for this service again?

I've found event driven changes update and alert much quicker than non event driven changes.  Meaning, an inquiry or a new account alert (with a resulting score change soon after) will happen within a day or two of reporting, whereas aging or deletion (since it doesn't trigger an event alert) will take until ScoreWatch does an intermittent check and subsequent score alert.

 

Case in point: I was sitting at a 645, applied with DCU for a car loan, and they quoted me at 660.  This confused me, because DCU and MyFICO both use the Beacon score (EQ04), so they should have been spot on.  Two days later when the INQ hit my reports, I instantly got a notification from ScoreWatch for the INQ, and my score updated to 660 on here as well.

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL