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Valued Contributor
Posts: 1,655
Registered: ‎05-17-2013
0

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. 
 

AMEX PRG NPSL,Lowes $17000,Capital One venture card $12,000,Us Airways mastercard $9500,Fidelity Amex $9000, Discover it $8000, Capital One Venture One $7500, BOA 123 rewards $7500 CSP $6000, Capital One Quicksliver $5500, Amazon Store card$5000,Barclay
Card Ring $5000 Chase Marriott $5000,Chase Hyatt $5000, Sallie Mae Mastercard $4400, Paypal smart connect $4000,Chase Freedom $3200, Capital one Quicksliver visa $3000, Chase IHG Rewards $2300, Chase Southwest Premier $2000, Citi Double Cash $1500, AMEX BCE $1000

Last app July 22nd 2015- No apps for two years.
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

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.

 

 

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Valued Contributor
Posts: 1,655
Registered: ‎05-17-2013
0

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.
AMEX PRG NPSL,Lowes $17000,Capital One venture card $12,000,Us Airways mastercard $9500,Fidelity Amex $9000, Discover it $8000, Capital One Venture One $7500, BOA 123 rewards $7500 CSP $6000, Capital One Quicksliver $5500, Amazon Store card$5000,Barclay
Card Ring $5000 Chase Marriott $5000,Chase Hyatt $5000, Sallie Mae Mastercard $4400, Paypal smart connect $4000,Chase Freedom $3200, Capital one Quicksliver visa $3000, Chase IHG Rewards $2300, Chase Southwest Premier $2000, Citi Double Cash $1500, AMEX BCE $1000

Last app July 22nd 2015- No apps for two years.
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