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Valued Member
Posts: 49
Registered: ‎01-02-2013
0

Problem with SW not sending alerts?

Anyone else having issues with SW not sending alerts? My utilization has changed and it is reflecting on TU, but apparently not EQ?
Equifax: 6/2013 (647) / 10/2013 (647) / 11/13 (654) / 6/05/14 (725)
Experian: 6/2013 (673) / 10/2013 (684) / 12/12/13 (692)
TU Walmart: 6/2013 (683) / 10/2013 (693) / 01/2014 (704) / 06/05/14 (705)
Goal Score: 700 across the board


Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Re: Problem with SW not sending alerts?

Up or down and by how much?

Valued Member
Posts: 49
Registered: ‎01-02-2013
0

Re: Problem with SW not sending alerts?

Down, from 10% to 5%
Equifax: 6/2013 (647) / 10/2013 (647) / 11/13 (654) / 6/05/14 (725)
Experian: 6/2013 (673) / 10/2013 (684) / 12/12/13 (692)
TU Walmart: 6/2013 (683) / 10/2013 (693) / 01/2014 (704) / 06/05/14 (705)
Goal Score: 700 across the board


Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Re: Problem with SW not sending alerts?

How long ago was this? While you can't get a firm answer when comparing EQ to TU, how long ago did TU update?

Valued Member
Posts: 49
Registered: ‎01-02-2013
0

Re: Problem with SW not sending alerts?

TU updated on the 15th. Maybe EQ will update in a few days!
Equifax: 6/2013 (647) / 10/2013 (647) / 11/13 (654) / 6/05/14 (725)
Experian: 6/2013 (673) / 10/2013 (684) / 12/12/13 (692)
TU Walmart: 6/2013 (683) / 10/2013 (693) / 01/2014 (704) / 06/05/14 (705)
Goal Score: 700 across the board


Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Re: Problem with SW not sending alerts?

SW won't alert you to dropped balances. So assuming there were no credit changes or balance increases, then you wouldn't get a credit alert. However, your EQ FICO is monitored for changes every 7-10 days. Assuming your score changed and surpassed your target score as found in settings, then you'll get a score alert alerting to the new EQ FICO. Not every paydown will result in a FICO increase though. Paying down from 10% overall util to 5% might increase your EQ FICO. Hard telling. If util is listed as a top negative, then I would think there's a good chance.

Highlighted
Valued Member
Posts: 49
Registered: ‎01-02-2013
0

Re: Problem with SW not sending alerts?

Thanks, llecs! It's not a top negative. Actually my top negative is a recent collection that they (west asset management) refuse to delete...approximately 6 months old. That's killing my score. I purchased a report and the score has not changed. EQ 642 and TU 639. Thanks, again! Smiley Happy
Equifax: 6/2013 (647) / 10/2013 (647) / 11/13 (654) / 6/05/14 (725)
Experian: 6/2013 (673) / 10/2013 (684) / 12/12/13 (692)
TU Walmart: 6/2013 (683) / 10/2013 (693) / 01/2014 (704) / 06/05/14 (705)
Goal Score: 700 across the board


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