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Regular Contributor
Posts: 233
Registered: ‎10-03-2009
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Re: Score Watch - No Alerts

I've never had any issues with score watch. I had it for three months now. 

Filed BK 04/2011|BK Discharged 08/2011|Hard Pull I 12/05/2012 |


Starting Score: EQ 523 03/2012
Current Score: EQ 649 I TU 655 (02/2013) EX 672(01/2013)
Goal Score: 700 on all CR's 04/2013
Valued Contributor
Posts: 2,297
Registered: ‎07-23-2012
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Re: Score Watch - No Alerts

Usually I get an alert the same day or the very next day after tu reports on ck. 

 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


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Valued Contributor
Posts: 1,228
Registered: ‎05-10-2012
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Re: Score Watch - No Alerts

I've found that aging updates are delayed, but "action" updates are pretty dead on.  For instance, I knew I would gain a couple points going into January, based on a derog aging.  I applied for a DCU account and subsequent loan, which pulled EQ and gives you a Beacon score (same as here).  They told me I was at 660, whereas SW had me at 645 still.  I was confused, but the very next day I got an alert for a new inquiry, and lo and behold, my score also updated, to a 660.  In the past I've seen the "aging" score updates are a few days behind.

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
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Regular Contributor
Posts: 233
Registered: ‎10-03-2009
0

Re: Score Watch - No Alerts

My alerts usually comes a few days after my credit card reports. On average three days like clock work.

Filed BK 04/2011|BK Discharged 08/2011|Hard Pull I 12/05/2012 |


Starting Score: EQ 523 03/2012
Current Score: EQ 649 I TU 655 (02/2013) EX 672(01/2013)
Goal Score: 700 on all CR's 04/2013
Established Contributor
Posts: 643
Registered: ‎09-18-2011
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Re: Score Watch - No Alerts

I am tempted to check my score and see if it is any different. May be I will do it once the new statements gets posted in a few days.

 

 


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

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Valued Contributor
Posts: 2,982
Registered: ‎02-09-2012
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Re: Score Watch - No Alerts


Unique620 wrote:

I've never had any issues with score watch. I had it for three months now. 


I've had it for 11 months and I was beginning to get so many alerts, it was becoming annoying - but I won't cancel it because it's annoying...it works as advertised.

5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

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Member
Posts: 21
Registered: ‎11-25-2008
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Re: Score Watch - No Alerts

It didnt for me. And for a lot of other people. Like I said, google scorewatch delayed updates and youll see how common place it is.

Im sure theres a reason why they have a score watch and a discounted equifax fico score for those subscribed to score watch..

Honestly im glad it worked for you. I dont get what that does for me and the countless others though
Valued Contributor
Posts: 2,111
Registered: ‎07-29-2011
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Re: Score Watch - No Alerts

The delay is no more than a day or two. ie:  New info can be seen on credit report on Jan 3, but score watch alert is dated Jan 4, possibly Jan 5.

 This is not an issue for anyone just looking to monitor their FICO score.  Maybe if you are so addicted to credit cards and loans and are so compulsory that you need to immediately apply for new credit cards on the exact day that your score increases by a few points, then I could see how it would be depressing to go a full-day without having a new credit card or loan approval.  But for normal users looking for an accurate FICO monitoring tool with regular updates to keep track of credit trends over time, Score Watch works great.

EX:694 TU:744 EQ:777
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Established Contributor
Posts: 643
Registered: ‎09-18-2011
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Re: Score Watch - No Alerts -- Update

 

I am happy to let you all know that score watch did send me an update about my score change. I did apply for Credit with my bank which resulted in a HP, which in turn resulted in an update from score watch.


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

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Established Contributor
Posts: 643
Registered: ‎09-18-2011
0

Re: Score Watch - No Alerts -- Update

 

I did not get any alerts this week. Did you guys get any?


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

Take the FICO Fitness Challenge
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