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Established Member
Posts: 20
Registered: ‎03-04-2013
0

SW SCORES

I have my score alert set at 610 which is my EQ FICO. I got an alert yesterday saying my scroe dropped below that threshold but doesnt tell me what the new score is. Shoudlnt it tell me the new score?

EX FICO 677 -4/1
EQ FICO 672 - 4/1
TU FICO 654 - 4/11
Community Leader
Valued Contributor
Posts: 2,400
Registered: ‎11-29-2012
0

Re: SW SCORES

Yes it should tell you the new score, are you sure its not?  When you go to the member center, what is the score that is on the front page?


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 Goal Score:
 625 for now– New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Established Member
Posts: 20
Registered: ‎03-04-2013
0

Re: SW SCORES

The alert says:

Alert:Your FICO® score has dropped below your target score of 610

But shows no score lower than 610. The member center front page says my score is 610.

EX FICO 677 -4/1
EQ FICO 672 - 4/1
TU FICO 654 - 4/11
Community Leader
Valued Contributor
Posts: 2,400
Registered: ‎11-29-2012
0

Re: SW SCORES

You might want to call them then, cause that's wrong.

Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 Goal Score:
 625 for now– New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Re: SW SCORES

It could be the timing of your alerts. I've received alerts similar to that whereby myFICO dropped one day and increased the next which resulted in weird alerts like that. Either it happened so fast, like a day apart, where I didn't yet receive a credit alert for the change or perhaps your score dropped due to a reason which wouldn't be picked up by SW, like an added balance, dropped TL, increased util not exceeding the limits in your settings, etc. For best results, always set your target score to exactly match your current EQ FICO. That will cut down on some of those odd alerts because you'll be alerted more often.

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