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Usually I get an alert the same day or the very next day after tu reports on ck.
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |
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.
| Chase Freedom $9500 DCU Visa $10000 Capital One QS $2000 AMEX BCE $3000 | Lowe's CC $8500 WalMart CC $3100 BOA Platinum $600 AMEX Gold NPSL |
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.
@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.
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.
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.
I did not get any alerts this week. Did you guys get any?