myFICO® Product Feedback

[thankfulheart]

I received a SW alert that my score had dropped by 30 points. Discovered that one of my ex's CCs had some lates in May/June and I was an AU on the account, but it had never reported before.  I was able to contact the CC issuer and get it off right away before my final credit pull for my mortgage.

Question, though...it came off AND I paid down a CC to bring util from 22% to 7% and have not had a SW update?  Don't want to pull the trigger on a new report, but I sure would like to see what my score looks like (and, yes, I keep my settings AT the current score). How many days should I let go by?

[llecs]

What day did the AU drop and what day did the balances go down on EQ? I'd give it a week from that point.

[thankfulheart]

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llecs wrote:

What day did the AU drop and what day did the balances go down on EQ? I'd give it a week from that point.

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Thanks for the advice. The balance went down Saturday, the AU dropped off Sunday (I was backdooring EQ to make sure).  I really hoped I'd see a rebound from that sooner.  Does SW really only monitor weekly?

[llecs]

Yes, if there isn't anything happening on your CR to trigger a credit alert inside that weekly score check.

From the SW Guide found stickied in this board:

Score Alerts – these alerts notify the subscriber of Equifax FICO score changes in a couple of ways. (See table below.) 

• If a Credit Alert is triggered, the latest score is always shown on that alert.

• When no Credit Alerts are triggered, the scores are monitored every 7-10 days for changes.

[thankfulheart]

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llecs wrote:

Yes, if there isn't anything happening on your CR to trigger a credit alert inside that weekly score check.

From the SW Guide found stickied in this board:

Score Alerts – these alerts notify the subscriber of Equifax FICO score changes in a couple of ways. (See table below.) 

• If a Credit Alert is triggered, the latest score is always shown on that alert.

• When no Credit Alerts are triggered, the scores are monitored every 7-10 days for changes.

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Need the head-smacking smiley.  Thanks for the info!  I couldn't stand it any longer and went ahead and blew my 2nd pull.  It was WELL worth it as I am now at an all time high of 721!  Woo-flippin'-HOO!  Thanks again MyFICO for an awesome product and community where knowledge is VERY powerful!

[gettnthere]

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thankfulheart wrote:

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llecs wrote:

Yes, if there isn't anything happening on your CR to trigger a credit alert inside that weekly score check.

From the SW Guide found stickied in this board:

Score Alerts – these alerts notify the subscriber of Equifax FICO score changes in a couple of ways. (See table below.) 

• If a Credit Alert is triggered, the latest score is always shown on that alert.

• When no Credit Alerts are triggered, the scores are monitored every 7-10 days for changes.

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Need the head-smacking smiley.  Thanks for the info!  I couldn't stand it any longer and went ahead and blew my 2nd pull.  It was WELL worth it as I am now at an all time high of 721!  Woo-flippin'-HOO!  Thanks again MyFICO for an awesome product and community where knowledge is VERY powerful!

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+1000. and congrats on your new, all time high score!!