Member
MzHunt
Posts: 9
Registered: ‎07-18-2009
Re: Score Watch Not Updating

singulardedication wrote:

MzHunt wrote:

I have been a lurker on this forum for quite a while.... but today I am pretty upset and decided to post! I have not received an alert since February 23rd. Since then, I have paid my util down quite a bit and have had four collections removed from my reports.  I have received two alerts this week from a different credit monitoring service. Although those scores are fakos, they show almost a 100 point gain!!! Still NO ALERTS from myfico!!!!!!! I do have my alerts on myfico set to my exact score so I know that isn't the problem! I refuse to believe that my FICO didn't increase at all!!!


 

I share your concern over the delay in SW updates.  For me, EQ's CMS reported a nice balance reduction and a sold score jump, which I am also waiting on SW to update.

Since this just happened Thursday I expect a SW update will occur in about 7-10 days after.

 

Now if you did not have score watch, what would it cost you??  $20 per full FICO report say 3+ times a month = $60+ per month

Score watch costs even less than a single report and it gives you score updates based on changes that trigger alerts (like I just got a new account alert) or if just score change ever 7-10 days.  Score Watch's price of $15/m seams fair to me...  Now if you don't like it and want to buy a full FICO report every week :smileyhappy:

 

This link helps:  http://ficoforums.myfico.com/t5/myFICO-Product-Feedback/Score-Watch-Guide/td-p/603543 (the Score Watch guide at the top of this forum)

 

P.S. How about Score Watch Premium with say 3-4 day updates for $25-35/m? (plus perhaps an extra fico pull every month or ability to see soft pulls or ...)


I didn't complain at all about the price, I think it is more than fair.  I was just frustrated that what I am paying for wasn't working correctly. I am working hard to repair my credit and would like to see my progress. I understand and expect a little lag time but dang!

 

By the way, obviously there was someting wrong.  About 30 minutes after I posted this, I received an alert.....60 point gain!! It wasn't coincidental that I got the alert right after my post either! So, thank you to the administrators that monitor the boards and check into customer complaints. I really appreciated getting the alert tonight!:smileyhappy:

Administrator Emeritus
Barry
Posts: 4,386
Registered: ‎03-01-2007
Re: Score Watch Not Updating

MzHunt wrote:

singulardedication wrote:

MzHunt wrote:

I have been a lurker on this forum for quite a while.... but today I am pretty upset and decided to post! I have not received an alert since February 23rd. Since then, I have paid my util down quite a bit and have had four collections removed from my reports.  I have received two alerts this week from a different credit monitoring service. Although those scores are fakos, they show almost a 100 point gain!!! Still NO ALERTS from myfico!!!!!!! I do have my alerts on myfico set to my exact score so I know that isn't the problem! I refuse to believe that my FICO didn't increase at all!!!


 

I share your concern over the delay in SW updates.  For me, EQ's CMS reported a nice balance reduction and a sold score jump, which I am also waiting on SW to update.

Since this just happened Thursday I expect a SW update will occur in about 7-10 days after.

 

Now if you did not have score watch, what would it cost you??  $20 per full FICO report say 3+ times a month = $60+ per month

Score watch costs even less than a single report and it gives you score updates based on changes that trigger alerts (like I just got a new account alert) or if just score change ever 7-10 days.  Score Watch's price of $15/m seams fair to me...  Now if you don't like it and want to buy a full FICO report every week :smileyhappy:

 

This link helps:  http://ficoforums.myfico.com/t5/myFICO-Product-Feedback/Score-Watch-Guide/td-p/603543 (the Score Watch guide at the top of this forum)

 

P.S. How about Score Watch Premium with say 3-4 day updates for $25-35/m? (plus perhaps an extra fico pull every month or ability to see soft pulls or ...)


I didn't complain at all about the price, I think it is more than fair.  I was just frustrated that what I am paying for wasn't working correctly. I am working hard to repair my credit and would like to see my progress. I understand and expect a little lag time but dang!

 

By the way, obviously there was someting wrong.  About 30 minutes after I posted this, I received an alert.....60 point gain!! It wasn't coincidental that I got the alert right after my post either! So, thank you to the administrators that monitor the boards and check into customer complaints. I really appreciated getting the alert tonight!:smileyhappy:


Hi MzHunt,

 

Honestly, if I had the power to make Score Watch send alerts, everyone here would be alerted every day!  (it's okay, tho, if you'd rather believe you can get alerted by posting to this board... and then give me credit for it)  :smileywink:

Congrats on the 60 point gain!!!

 

Barry

Contributor
seemund
Posts: 90
Registered: ‎03-29-2010
Re: Score Watch Not Updating

Oh well, mine hasn't updated in 1 week. I know my credit increased (due to paying some revolving debt), and CreditKarma already updated, but I guess I'll just have to wait :smileysad:


Starting Score: 700
Current Score: 749 EQ / 760 TU
Goal Score: 760+


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Valued Contributor
Repo-ed
Posts: 2,949
Registered: ‎02-09-2012
Re: Score Watch Not Updating

seemund wrote:

Oh well, mine hasn't updated in 1 week. I know my credit increased (due to paying some revolving debt), and CreditKarma already updated, but I guess I'll just have to wait :smileysad:


I wouldn't trust CK for NOTHING

Contributor
seemund
Posts: 90
Registered: ‎03-29-2010
Re: Score Watch Not Updating

I ended up bitting the bullet, and bought a Power Score Report...

Credit is now 738 (EQ), similar to what CK tells me.

Funny how it jumped 30 points in 1 week (paying a lot of debt down), but Score Watch didn't tell me :smileysad:


Starting Score: 700
Current Score: 749 EQ / 760 TU
Goal Score: 760+


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Frequent Contributor
Student_Loans_Kill
Posts: 297
Registered: ‎02-12-2012
Re: Score Watch Not Updating

seemund wrote:

I ended up bitting the bullet, and bought a Power Score Report...

Credit is now 738 (EQ), similar to what CK tells me.

Funny how it jumped 30 points in 1 week (paying a lot of debt down), but Score Watch didn't tell me :smileysad:


Same here

Starting Score: 656
Current Score: 678 TU 08, 665 EQ MyFico, 698 EX PSECU
Goal Score: 7OO needed for Mortgage application


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Valued Contributor
crunching_numbers
Posts: 1,092
Registered: ‎02-15-2012
Re: Score Watch Not Updating

Student_Loans_Kill wrote:

seemund wrote:

I ended up bitting the bullet, and bought a Power Score Report...

Credit is now 738 (EQ), similar to what CK tells me.

Funny how it jumped 30 points in 1 week (paying a lot of debt down), but Score Watch didn't tell me :smileysad:


Same here

I had one balance go up by $2, and I just got a SW update. I know other balances have gone down quite a bit. May not have been enough to change the FICO though. The $2 hit CreditKarma today as well, FYI.


Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: 748 TU(12/12), 783 TU98 , 813 TU08 FICO, 744 EQ FICO , 735 EX(9/12), 794 EX08 FICO, 809 EX08 bankcard FICO
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (20.7K), BofA Travel Rewards ($17.5), B&N World MC ($17.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (15K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig ($8.6K), Disc It ($8K), Citi Dia Pref MC ($3.7K),Sam's D ($8.5K), Wally D ($7.5K), JCP($5.3K)
Contributor
Errin1
Posts: 81
Registered: ‎08-12-2010
Re: Score Watch Not Updating

I have paid down a considerable amount of debt and haven't received a notice from Score watch either. Matter of fact I haven't received an alert from scorewatch since March 2nd.:smileymad: I used to get an update twice ...sometimes even three times a week.

hr> src="http://i.imgur.com/LEYWe.png">Starting Score: TU 610 EQ 655 - 8/2010
Current Score: EQ 714 9/13 EXP 708 8/13 TU 717 8/13
Goal Score: too much of a yoyo, maintain the 700's for 2013

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Administrator Emeritus
Barry
Posts: 4,386
Registered: ‎03-01-2007
Re: Score Watch Not Updating

Errin1 wrote:

I have paid down a considerable amount of debt and haven't received a notice from Score watch either. Matter of fact I haven't received an alert from scorewatch since March 2nd.:smileymad: I used to get an update twice ...sometimes even three times a week.


Hi Errin1,

 

Hopefully, you're aware that SW doesn't alert you to balance decreases?  But, I can understand how you might be expecting a score increase after paying down some debt.  What kind of debt did you pay down?  If it's credit card, the chances of a score increase are good, while if it's installment, collection or public record debts that were paid, don't expect to see much, if any, score change.

 

Also, to be alerted to the next score change, it's a good idea to set your target as your current/latest EQ score.  For more info on SW, check out Score Watch Guide.

 

Barry

Contributor
Errin1
Posts: 81
Registered: ‎08-12-2010
Re: Score Watch Not Updating

Thanks Barry for the info. It was CC debt (finished paying off Xmas) so I expected to see an increase but I haven't seen a thing. I set my score to my current and it's been over 2 weeks and nada. I even had a spike with my bogus creditkarma score but no change on ScoreWatch.

hr> src="http://i.imgur.com/LEYWe.png">Starting Score: TU 610 EQ 655 - 8/2010
Current Score: EQ 714 9/13 EXP 708 8/13 TU 717 8/13
Goal Score: too much of a yoyo, maintain the 700's for 2013

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