myFICO® Product Feedback

[669]

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

[pizzadude]

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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

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Curious, how many points did you lose from the two inquiries ?  Is there a threshold that SW uses to alert you ?

[669]

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!!!!

[pizzadude]

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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!!!!

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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.

[DaveSignal]

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pizzadude wrote:

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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!!!!

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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.

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Thats not true.  I have received alerts for both inquiries and new accounts that resulted in no score change.

[pokerpro]

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

[drkaje]

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

[669]

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"

[pokerpro]

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

[drkaje]

@ 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!