06-16-2012 05:49 PM
I have been pulling my reports every week during this gardening period. Ive had three score watch alerts on one of my collection accounts. All three alerts show a change on the balance of the account. i pulled my credit report twice in seven days as a result to see if there was a change in my score or the updated balance. Nothing, everything on my report is the same for a month. Im starting to wonder if the score watch is as legit or connected to EQ as it states. How can it send me a alert but not be on the credit report. Hmmmm.
06-18-2012 09:40 PM - edited 06-18-2012 09:41 PM
It could be an inquiry fell off. Sometimes I look to see changes and find none only to later see that one was removed. I would have never noticed it had I not compared it with a current report. I have had some questions of my own recently as well. I had one collection deleted a week ago and no alert.
06-19-2012 02:03 PM
I contacted fico support about the credit alert not matching what they alerted to me twice. The nice lady stated she doesnt see the changes that i see on the alert changes screen. 1. How can that be my alerts are different from theres on two alerts. 2. As a result I used one score watch and bought another to confirm that the changes were true. 3. Im out 2 score pulls because of a system glitch on there part. She said they will investigate. It will take 45 days.
Im really hoping this was a glitch and not a way to have customers pay for score watches due to phony scorewatch alerts. Ill keep you all posted.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.