When I re-joined Myfico in Sept '10, my score was 599. I got an alert that my score went up to 606. I have been working hard to have 2 incorrect collection accounts removed. Yesterday I got an alert that my score went up to 651 
, I just want to see what it was specifically that caused it to go up. Thanks
@Anonymous wrote:When I re-joined Myfico in Sept '10, my score was 599. I got an alert that my score went up to 606. I have been working hard to have 2 incorrect collection accounts removed. Yesterday I got an alert that my score went up to 651
Congrats on the increases!
Whenever you get an alert, SW will notify you, in very broad and general terms, what happened. Unfortunately, it won't alert you to everything as you know like decreased balances or dropped baddies. You can order a new EQ FICO report. As some point, you'll have access to the 2nd free report, but I think that comes after 3 months of paying monthly. Otherwise, you can purchase a new report ($5 off as a SW subscriber) and you can see those changes in detail.
What I suggest doing, if you are actively engaged in rebuilding your credit, is to keep SW (I use it all the time for DW and myself) and consider subscribing to a CMS that allows you to pull all 3 CRs. Aside from SW, I also use creditchecktotal. CCT allows me to pull all 3 reports daily. If I see a change in SW, then I can go into CCT and see if there are any missing accounts, dropped baddies, improved util, and so forth. Conversely, CCT allows you to pull everyday and as I see changes there, I pull a new FICO report as opposed to waiting for an alert and I can see the FICO change. CCT offers scores, but they are not FICO score, FYI. If you don't need to pull daily, there are other services out there that gives you the change to pull monthly, quarterly, and so on.
BTW, if you don't want to spend any money at all, you could order EQ for free via annualcreditreport.com, though that's only a 1x/yr shot.
