Credit Card Center Advertiser Disclosure

Established Contributor
Posts: 539
Registered: ‎05-16-2012
0 Kudos

Issue with SW Alets

[ Edited ]

Ok so I've had ScoreWatch for about a week or so now. Both times new cards (both USAA) were added to my EQ report, or my FICO score changed since I activated Score Watch, the alerts haven't shown up UNTIL I used a score power report.


First time, new account, USAA Visa posted last week on the 26th, and EQ fixing an old charge-off to report correctly, on my EQ, the couple next days no text messages/emails and nothing on my Alerts tab.  So I used my first free score power report on the 28th and the alerts finally showed up when I used my second free score report. Keep in mind these were already showing on my EQ.


So yesterday (8/2) I called customer service as my new account posted to my EQ (pulled from USAA and EQ back door) on  sunday or monday, yet my last alert was still on the 28th (which the CSR acknowledged), a week prior. CSR gave me a credit for a new score power, which I used, and after I used the score power an alert for 8/1 showed up on my account for my new USAA Amex, which wasn't there before!


Then I received an email back from tech support essentially saying "well it looks like your alert's there so everything seems fine, thanks for using myFico." But the problem is, my alerts don't actually show up on my account when they happen, and it's frustrating since I don't plan on buying score power reports every time I want to see changse to my score, which is what I'm paying $15/mo for 3 locked-in months for.


FWIW, my score alert is, and has been, set to one point above my current score.


Any ideas?

Valued Contributor
Posts: 3,021
Registered: ‎02-09-2012
0 Kudos

Re: Issue with SW Alets

yes; always have your alert score set to your current score.

I get 2 alerts a week, minimum without fail.

5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Established Contributor
Posts: 539
Registered: ‎05-16-2012
0 Kudos

Re: Issue with SW Alets

[ Edited ]

These guys at Tech Support don't get it or don't want to listen... this is the response I got back:


Dear XXXX,

Thank you for contacting us. The alert date is 08/01/2012 and not 08/02/2012 when you requested the new report.

myFICO Customer Care


how many times do I have to tell (4 so far) them that the alert on 08/01/2012 DID NOT show up until AFTER I pulled the score watch report on 08/02/12??? which is the SAME THING that happened on 07/28/12, not getting the alert until immediately after pulling a scorewatch report.... it's like the alerts are in pending status and post after the report is pulled

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.