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I recently purchased a new vehicle and had 2 inquires on my report, I had to purchase a power score to see the inquiries from 6/13....I never received an alert for the inquiries. Not Happy!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!1
@669 wrote:I recently purchased a new vehicle and had 2 inquires on my report, I had to purchase a power score to see the inquiries from 6/13....I never received an alert for the inquiries. Not Happy!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!1
Curious, how many points did you lose from the two inquiries ? Is there a threshold that SW uses to alert you ?
pizzadude
i did not lose any points at all....thats the funny thing other than not getting any score watch alerts for the inquiries.
As far as the threshold, i have no idea. I would think that any inquiries would give me an alert!!!!
@669 wrote:pizzadude
i did not lose any points at all....thats the funny thing other than not getting any score watch alerts for the inquiries.
As far as the threshold, i have no idea. I would think that any inquiries would give me an alert!!!!
I think that's probably why you didn't see an alert, I believe scorewatch only sends notifications when your score goes up or down.
@pizzadude wrote:
@669 wrote:pizzadude
i did not lose any points at all....thats the funny thing other than not getting any score watch alerts for the inquiries.
As far as the threshold, i have no idea. I would think that any inquiries would give me an alert!!!!
I think that's probably why you didn't see an alert, I believe scorewatch only sends notifications when your score goes up or down.
Thats not true. I have received alerts for both inquiries and new accounts that resulted in no score change.
I have new accounts added, and I know that for a fact because I pulled EQ directly from their site
and still no alert
This is NOT right
and I am going to cancel this service
BK7 Discharge: October 2004 Starting Score: 590 March 2018 EQ & EX & TU FICO Score: 846 & 847 & 850
Goal Score: 800+ across the board | Goals Hit: 3 Active Cards: 2
Gardening Since: October 2015 Garden Goal: Oct 2018
Wish List: | None
It's really only useful for knowing your EQ FICO score if updates happen.
drkage
I don't agree, if someone is trying to get credit in your name don't you want to know
Besides my wife has score watch also and she purchased a new car in May and the next day got a score watch alert showing the inquiries, it also stated that here score had not changed.
I spend good money for this services and when Myfico says it will alert you to changes in your report, I expect an alert without having to purchase a report to find out!!
And another thing, I had received 2 or 3 emails from Myfico since I purchased the car that said "No Alerts this week"
BK7 Discharge: October 2004 Starting Score: 590 March 2018 EQ & EX & TU FICO Score: 846 & 847 & 850
Goal Score: 800+ across the board | Goals Hit: 3 Active Cards: 2
Gardening Since: October 2015 Garden Goal: Oct 2018
Wish List: | None
@ 669,
There's a population SW works perfectly for. That being said, I still feel it's better suited to people with very little movement on their reports and not in rebuilding mode.
I enjoy the forum a great deal and benefit from all the help, wisdom, and silliness. I really feel a forum's strength or weakness comes from its members but keep SW as a way of being supportive. Obviously, there are less expensive/frustrating ways of monitoring changes to one's report but most of them don't include FICO scores. Still, I more or less feel SW's FICO score is a snapshot and likely inaccurate between updates, LOL!