myFICO® Product Feedback

[Duncanrr]

I pulled my USAA reports yesterday and noticed that my Entergy account had been deleted from EX but not from the other two yet. Knowing that my Equidata should also be removed I pulled reports this morning. Entergy hasn't been deleted from EQ yet. However, Equidata has already been deleted from my EQ report on USAA service. My FAKO EQ score went up 11 pts. I have both quarterly monitoring and ScoreWatch here. I've not gotten any alerts regarding this. Yes it's a FAKO score but I have SW set to detect a single pt movement. This was a $130 bad charged off Collection Account from 2007. I should have at least a pt gain but haven't seen anything from SW. Is SW lagging behind USAA?

[drkaje]

SW tends to run about 4 days behind USAA or CK when it comes to stuff like that.

[Duncanrr]

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drkaje wrote:

SW tends to run about 4 days behind USAA or CK when it comes to stuff like that.

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4 Days behind? Really? Is it just with the nature of this update or 4 days for other things as well? For example, if someone tries to steal my identity will it take 4 days for me to be notified of it? A lot of damage can occur in 4 days.

(here is the tradeline from USAA report as it shows this morning.

[drkaje]

That's just how SW has always run for me. Some do get frequent updates, though. Usually when someone posts a concern about this issue it's after they've burned or purchased a ScorePower report, LOL! Save yourself $20 and give it three or 4 days.

[Duncanrr]

I have multiple items that I'm expecting to hit.  Entergy needs to hit, Equidata needs to hit, Cap1 Secured card needs to start reporting and still have outstanding GW with SM.  I'm trying to only get a report once a month so I plan on waiting.  I just wanted to see where my score was. 

[drkaje]

My last "Baddie" from 2005 fell off EQ on the first, SW update came afternoon of July 5th. It's pretty much always ran that way with stuff aging off.

Negatives falling off didn't tend to generate immediate alerts, for me. I wanted to see the clean score but used some patience, LOL! Holding onto the last ScorePower report but curiosity is really getting the best of me. It's like; I want to see it clean but there's nothing to see. My impulse control is being taxed beyond belief, LOL!

[Duncanrr]

Its not stuff aging off.  Its stuff I had deleted via eOscar electronic deletes.  Entergy and Equidata were PFD's and both had 2 years and 2 months left on them to report.

[drkaje]

Just be patient for a few days, LOL!

I've never tried it but setting your target score really low might trigger an alert sooner.

[Duncanrr]

Thanks for advice.  I'll give it a couple more days.  I was just under impression that SW would send alerts when my EQ score changed.  My target SW alert is set for 622 (1 point higher than my current score).

[llecs]

OP, how long ago did that CA delete?