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Just how slow is ScoreWatch? I've been added as AU on two Chase cards, and have yet to have received an alert on either . One was reported to Equifax on the 18th, the other on the 21st. I don't think I will be renewing this service when the 3 months are up. New accounts added should signal an alert as soon as they report, otherwise what's the point?
How often do I get a new report? My score has changes 2 times in the last few weeks, but no new report.
@Azumi1 wrote:Just how slow is ScoreWatch? I've been added as AU on two Chase cards, and have yet to have received an alert on either . One was reported to Equifax on the 18th, the other on the 21st. I don't think I will be renewing this service when the 3 months are up. New accounts added should signal an alert as soon as they report, otherwise what's the point?
Its not SW... Every creditor is different when it comes to updating to the CRAs
So I broke down and bought a power report, the two accounts were on there, unfortunately they didn't have the impact I was expecting. My score went up 1 point, even though one account was over 30 yrs old with a perfect payment history and raised my aaoa to 8 yrs. My score hasn't moved much since I was "rebucketed" last month and lost 20 points for no reason. I'll be cancelling my subscription in Dec. This just seems too much like a racket to me.
@Azumi1 wrote:So I broke down and bought a power report, the two accounts were on there, unfortunately they didn't have the impact I was expecting. My score went up 1 point, even though one account was over 30 yrs old with a perfect payment history and raised my aaoa to 8 yrs. My score hasn't moved much since I was "rebucketed" last month and lost 20 points for no reason. I'll be cancelling my subscription in Dec. This just seems too much like a racket to me.
I don't think you would get an alert for the two new AUs because of the backdating. It's looking for new accounts with a new open date, as opposed to a new-old account with an open date of months/years ago.
@Azumi1 wrote:So I broke down and bought a power report, the two accounts were on there, unfortunately they didn't have the impact I was expecting. My score went up 1 point, even though one account was over 30 yrs old with a perfect payment history and raised my aaoa to 8 yrs. My score hasn't moved much since I was "rebucketed" last month and lost 20 points for no reason. I'll be cancelling my subscription in Dec. This just seems too much like a racket to me.
Those type of things are going to happen to your report and/or score whether you have a SW subscription or not. Having a service like SW will actually give you an advantage because you will be on top of whats going on with your report instead of blindly guessing IMO.