Posting this here to get more views.
I got an email saying that there are no changes have been found based on my settings. I did set my target score to my current EQ score. I am surprised that there are no changes as I am expecting a little increase in my scores. Can I trust Score watch and assume that there is no change to my score?
Thanks
Starting Score: EQ=665,TU=618 on Oct 9,2010
Yes. If you goal score is set to your current score, it will notify you if there is any change, plus or minus.
Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 733, TU 724 (05/01/2013), EX Credit Sesame 725 (05/08/2013)
Goal Score: 740+ FICO scores
Take the FICO Fitness Challenge Bronze Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
Cards: Cap1 Venture 6.4k, Cap1 NHCR MC 750, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 4k, Citi Diamond Preferred MC 7.55k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 4.2k, Kay Jeweler's 5.1k
I get score watch alerts quite frequently... many with score changes. If you have a lot of credit cards and the statement balances are not always the same every month, you should see your FICO change.
If you aren't using your cards often and they always are at $0 before the statement posts, then you are only relying on AAoA, which is rounded down to the nearest year.... so you probably won't see that change every month. It might take a full year if you don't have a lot of old accounts currently.
FiscalCliffer wrote:No !!! It doesn't update. I had to cancel my subscription yesterday actually, because it was stuck on a certain score for a very long time and I had to buy the same exact Equifax report that Score Watch is supposedly "watching", lo and behold, the score was 35 points higher on the new report as opposed to Score Watch! It reported on the first month very well, then the last 2 months it virtually stopped.
To all the nay sayers out there, how can I possibly have a score of 690 on score watch that was unchanged, and a second later I order a new report with a 35 point difference? I cancelled my score watch the next day, which still didn't report the new score! Same companies, so don't tell me there are updating delays...
That is sad. I was really hoping that I get updates as soon as the score changes.
tennisfan78 wrote:
FiscalCliffer wrote:No !!! It doesn't update. I had to cancel my subscription yesterday actually, because it was stuck on a certain score for a very long time and I had to buy the same exact Equifax report that Score Watch is supposedly "watching", lo and behold, the score was 35 points higher on the new report as opposed to Score Watch! It reported on the first month very well, then the last 2 months it virtually stopped.
To all the nay sayers out there, how can I possibly have a score of 690 on score watch that was unchanged, and a second later I order a new report with a 35 point difference? I cancelled my score watch the next day, which still didn't report the new score! Same companies, so don't tell me there are updating delays...
That is sad. I was really hoping that I get updates as soon as the score changes.
I don't know what to say about FiscalCliffer's situation. I DO get updates if my score changes. I would suggest that FC contact the site admin if there is a problem with the service.
Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 733, TU 724 (05/01/2013), EX Credit Sesame 725 (05/08/2013)
Goal Score: 740+ FICO scores
Take the FICO Fitness Challenge Bronze Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
Cards: Cap1 Venture 6.4k, Cap1 NHCR MC 750, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 4k, Citi Diamond Preferred MC 7.55k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 4.2k, Kay Jeweler's 5.1k
FiscalCliffer is the only poster that has ever posted this kind of issue. Probably a system glitch.
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