NO DISCOUNT

[Booner72]

Barry - No credit on the M/C - I even called to see if anything is pending.

[Booner72]

I just checked again and I did get the credit, so thanks a bunch.

However, I haven't gotten a SW (usually I got them on Saturdays, then it moved to Tuesdays because of the holiday) and now it is Tuesday evening and nothing!

[llecs]

Is there anything that would have triggered an alert (e.g. increased balances, inquiry, new accts etc.)?

[Booner72]

 I guess I shoulda been more clear in my whinings. I was referring to the email that says "no change" or even better a score increase.  I've paid down some  debt, and begged cc's to report early.   Maybe some GW deletes ??

Thanks llecs!

[llecs]

I probably should have read more....everyone's posts merge into my head after a while. Did you have any confirmed success with CCs reporting earlier? It's a common question.

[Booner72]

No nothing confirmed.  I guess this really isn't that big of a deal, it's not like I think SW is broken... maybe just super slow..... I just am wondering why they haven't sent me an email saying they at least checked my score to see if it is changed.  Yes my score is set to my current score.

[Barry]

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@Booner72 wrote:

No nothing confirmed.  I guess this really isn't that big of a deal, it's not like I think SW is broken... maybe just super slow..... I just am wondering why they haven't sent me an email saying they at least checked my score to see if it is changed.  Yes my score is set to my current score.

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Those "all clear" emails aren't sent according to any particular schedule, although I agree that they do seem to come on the weekends.  Also, they're not generated from the same process that the alerts are, so don't be surprised if you get an alert and then an all clear.  Or vise versa.  I just got mine today.   (Welcome to myFICO!) 

[Booner72]

Saturday turned to Tuesday, and apparently now it's near the end of the day on Wednesday !  Got the all-clear, though next week there will be some serious movement.

[Booner72]

Will SW Pick up a Credit limit decrease?

[Anonymous]

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@Booner72 wrote:

Will SW Pick up a Credit limit decrease?

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If you haven't had a chance to, take a look at the Score Watch Guide. While Score Watch won't specifically alert you to a CLD, you should be alerted if the CLD results in a score change (due to increased utilization, for example). Also, Score Watch can alert you to balance *increases* (you've got to set the values). I don't know, however, if SW will pick up a percentage increase (due to CLD) on a card with a balance.