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Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
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Re: Score Watch=No Alerts Email

Focusing on EQ for a sec...definitely review your EQ report again via EQ's CMS. Also look for any changed in your SW for alerts and/or score changes (I've misplaced a few e-mails w/ my subscription). Also zero in on the target score. Remember, you'll only get alerted if the target score is hit or exceeded. I'd guess an alert by now if everything was set correctly.

 

For the non-reporting loan, if open, I'd call them and ask if they even report to EX. Not every account will report to all 3.

Established Contributor
Posts: 568
Registered: ‎08-24-2012
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Re: Score Watch=No Alerts Email

Oh believe me, I keep an eagle eye on my emails for anything from myFico.!! Have not gotten any alerts or emails since 9/7, other than the one today saying no SW alerts or changes. 

Silly question, where do I find the EQ CMS?

"When you are down in the mouth, remember, everything turned out ok for Jonah."

Current FICO's(by lender) 10/9/12
EX:649, EX:651, TU:683
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
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Re: Score Watch=No Alerts Email


S7 wrote:

 

Silly question, where do I find the EQ CMS?


That's what you are subscribed to already....IIRC, Equifax Credit Complete (or whatever it is). The service you subscribe to now allows oyu to pull daily.

Established Contributor
Posts: 568
Registered: ‎08-24-2012
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Re: Score Watch=No Alerts Email

AHA! Yep, I have looked over EQ Complete, and even today, it shows the CC on it, but no changes to score. :smileysad:   Oh well!

"When you are down in the mouth, remember, everything turned out ok for Jonah."

Current FICO's(by lender) 10/9/12
EX:649, EX:651, TU:683
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
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Re: Score Watch=No Alerts Email

Well, ignore that score. It's a FAKO. 

Regular Contributor
Posts: 165
Registered: ‎04-04-2008
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Re: Score Watch=No Alerts Email

Well I got a new.account showing on my eq free report yesterday no score alert yet...
Regular Contributor
Posts: 146
Registered: ‎08-13-2012
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Re: Score Watch=No Alerts Email

I paid down the balance on two accounts 44-50% uti to 30% with no change in score. One updated on 9/21, the other on 9/26. 

From 566 in 8/2012 to..

EQ 704 /TU 690 / EX 730

Discover IT 6000, Amex BCE 10000, FNBO Amex 3500, Cap 1 platinum 2000, Walmart Discover 5000, Orchard Bank platinum 3000, Best Buy 5000, Merrick Bank 1600, Target Visa 700
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
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Re: Score Watch=No Alerts Email


Azumi1 wrote:

I paid down the balance on two accounts 44-50% uti to 30% with no change in score. One updated on 9/21, the other on 9/26. 


I wouldn't expect a change. 30% is still high. 

 

What was the change in overall util? Or are these your only two?

 

Is util listed as a top one or two negative reason on your EQ FICO report?

Regular Contributor
Posts: 146
Registered: ‎08-13-2012
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Re: Score Watch=No Alerts Email

[ Edited ]

My overall uti is 24% and it's listed as hurtiing my score. It's the third item.

From 566 in 8/2012 to..

EQ 704 /TU 690 / EX 730

Discover IT 6000, Amex BCE 10000, FNBO Amex 3500, Cap 1 platinum 2000, Walmart Discover 5000, Orchard Bank platinum 3000, Best Buy 5000, Merrick Bank 1600, Target Visa 700
Regular Contributor
Posts: 146
Registered: ‎08-13-2012
0

Re: Score Watch=No Alerts Email

Is uti only based on open accounts?
From 566 in 8/2012 to..

EQ 704 /TU 690 / EX 730

Discover IT 6000, Amex BCE 10000, FNBO Amex 3500, Cap 1 platinum 2000, Walmart Discover 5000, Orchard Bank platinum 3000, Best Buy 5000, Merrick Bank 1600, Target Visa 700

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