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Established Contributor
bigblue7722
Posts: 510
Registered: ‎05-17-2013

Score Watch help

I have had my score watch for about a month now and I have seen my score go up serveral times do to ult on my credit cards which is great. However, today my scorewatch updated that one of my student loan accounts has changed, I knew that a change was comming because citibank made an error in their reporting. This is the update I get from scorewatch:

 

 Previously reportedNewly reported
Balance:$0 
Past due:$0$0
Status:At least 120 days or more than four payments past duePays account as agreed
Last activity:4/1/201111/1/2009
Description:Account transferred or sold
Student loan
Account transferred or sold
Closed or Paid Account/Zero Balance
Student loan


Ok Great my account i status has changed but I also know that some of my late payments should have been changed as well. I would love to be able to check this but only way i can is to use my last report that I have? Thats crazy! If you guys can tell me that my status has changed why cant they show the payment history as well? Maybe I am not looking in the right place? Honestly I would have been better spending my money on some place where I can see a new report whenever I want because the "real" fico score is may be real for what it is but lenders use so many different scores its almost worthless. 
 

Starting Myfico eq-(609 06/13)- Current Score (674)-Goal Score-(720)
Discover it $3000,Capital One Quicksliver $1500, Fingerhut $1400, Paypal smart connect $1000, Chase Amazon Visa $1000, Seasons FCU card $500, Barclaycard rewards $500, BOA Secured $300
Moderator Emeritus
llecs
Posts: 32,880
Registered: ‎08-04-2007

Re: Score Watch help

You don't have to buy from myFICO to see the changes. Just pull from another CMS or burn your annual free report from annualcreditreport.com.

 

 

Established Contributor
bigblue7722
Posts: 510
Registered: ‎05-17-2013

Re: Score Watch help

I already used my three reports from annual credit I just wanted to make sure all three had the same accounts when I started my credit journey. I have ever credit karma they don't show payment history though, credit sesame you have to pay 9 to see your report and I signed up for quizzle already so I have to wait another 4 months till my next free one. I guess I'm just frustrated for 15 bucks a month and I can't see new payment history.
Starting Myfico eq-(609 06/13)- Current Score (674)-Goal Score-(720)
Discover it $3000,Capital One Quicksliver $1500, Fingerhut $1400, Paypal smart connect $1000, Chase Amazon Visa $1000, Seasons FCU card $500, Barclaycard rewards $500, BOA Secured $300

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