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No score watch alert!!!!!!!!!!!

Regular Contributor

No score watch alert!!!!!!!!!!!

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

EQ 7/19/13 796
TU 04/29/13 784
EX 06/17/13 849
28 years credit history
17 years AAoA

CIT $15,900 BEST BUY $11,800 DISCOVER $10,000 LOWES $10,000 SEARS/MC $7,200 BELKS $5,700 JC PENNY $2,400 CHASE $5,900 AMX GOLD PR $NPSL AMX/BCP $11,200 SHELL/CITI/MC $80.00 (LMAO)
Message 1 of 22
21 REPLIES
Super Contributor

Re: No score watch alert!!!!!!!!!!!


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 ?

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 2 of 22
Regular Contributor

Re: No score watch alert!!!!!!!!!!!

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!!!!

EQ 7/19/13 796
TU 04/29/13 784
EX 06/17/13 849
28 years credit history
17 years AAoA

CIT $15,900 BEST BUY $11,800 DISCOVER $10,000 LOWES $10,000 SEARS/MC $7,200 BELKS $5,700 JC PENNY $2,400 CHASE $5,900 AMX GOLD PR $NPSL AMX/BCP $11,200 SHELL/CITI/MC $80.00 (LMAO)
Message 3 of 22
Super Contributor

Re: No score watch 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.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 4 of 22
Valued Contributor

Re: No score watch alert!!!!!!!!!!!


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.

EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
Message 5 of 22
Frequent Contributor

Re: No score watch alert!!!!!!!!!!!

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 August 2017 EQ & EX & TU FICO Score: 844 & 847 & 846

Goal Score: 800+ across the board | Goals Hit: 3 Active Cards: 2

Gardening Since: October 2015 Garden Goal: Oct 2018

Wish List: | None



Message 6 of 22
Senior Contributor

Re: No score watch alert!!!!!!!!!!!

It's really only useful for knowing your EQ FICO score if updates happen.


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


Take the FICO Fitness Challenge
Message 7 of 22
Regular Contributor

Re: No score watch alert!!!!!!!!!!!

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"

EQ 7/19/13 796
TU 04/29/13 784
EX 06/17/13 849
28 years credit history
17 years AAoA

CIT $15,900 BEST BUY $11,800 DISCOVER $10,000 LOWES $10,000 SEARS/MC $7,200 BELKS $5,700 JC PENNY $2,400 CHASE $5,900 AMX GOLD PR $NPSL AMX/BCP $11,200 SHELL/CITI/MC $80.00 (LMAO)
Message 8 of 22
Frequent Contributor

Re: No score watch alert!!!!!!!!!!!

669 I understand your frustrations I am canceling this crap and getting something directly from the CRA This way I can view the full report anytime and get a first hand look at any changes

BK7 Discharge: October 2004 Starting Score: 590 August 2017 EQ & EX & TU FICO Score: 844 & 847 & 846

Goal Score: 800+ across the board | Goals Hit: 3 Active Cards: 2

Gardening Since: October 2015 Garden Goal: Oct 2018

Wish List: | None



Message 9 of 22
Senior Contributor

Re: No score watch alert!!!!!!!!!!!

@ 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!


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


Take the FICO Fitness Challenge
Message 10 of 22