Reply
Senior Contributor
Posts: 3,889
Registered: ‎05-24-2011
0

SW Problem??

I have been getting SW alerts for the past 2 months, all is fine and good.  But they continue to say my score is 687 and has not changed.  I have let a credit card report with a maxed balance, no change in score.

 

I just had Directloans report my loans as closed/sold - no change.

 

I have a new account and new inquiry - no change.


Could this be right???

 

YES, my score is set to 687.

 

Thanks in advance.

STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Re: SW Problem??

All 3 examples would trigger a new score. If the score is the same, then it really hasn't moved. Sounds like something is weighing it down. BTW, DW went months without any net score changes.

Senior Contributor
Posts: 3,889
Registered: ‎05-24-2011
0

Re: SW Problem??

Hi, llecs. That's kinda what I thought, that I'm at the max # I can be right now with the cc balances we have right now. I pay off the credit union visa every payday, but payday is one day after statement day (last of mo/fIrst of mo)......So I'm always maxed or close to.
STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.