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Frequent Contributor
racer-x
Posts: 329
Registered: ‎09-16-2012

ScoreWatch not reporting new activity?

I don't know for sure yet, but I feel like SW isn't alerting/reporting my new activity.

 

I've a new auto loan and CC that's been reported to TU and EX (via CK and experiandirect), but no alerts for my EQ on myFico?

 

It seems strange to me because the lender, GECU, pulls EQ exclusively.   So I would think the new accounts would have been reported their first.  Or does it not work that way?

 

I have a Scorewatch report to burn, but I'm waiting for a week or so for my 45% drop in utilization on a $15K CL to report.

 

It seems I read somewhere that SW has had this issue before?


Starting Score 9/12: EQ 645 TU 641 EX 651
Current Score5/13: myFico EQ 687 DicoverTU 705 myFico EX 738
Goal Score: 750

AMEX GOLD,AMEX BCP-$10k,US Bank PLOC-$15K,CSP-$15k,Freedom-$6k,CapOneVisa-$15k,US Bank Visa-$10k, DCU Visa-$10k,Paypal MC-$15k,USAA MC-$6k,Lowes-$8600,CapOne Visa-$10k,Discover IT-$12.9K,BoA Visa-$10.1K Walmart -$4k,GECU Visa-$3500, US RLOC-$750

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Moderator Emeritus
llecs
Posts: 32,880
Registered: ‎08-04-2007

Re: ScoreWatch not reporting new activity?

When did it start reporting to TU and EX?

 

If the lender pulls a given CRA it doesn't always mean they'd report to that CRA first. For example my Amex (RIP) and others' most usually exclusively pulls EX. There were months it didn't report to EX first and often last. Mixed bag.

 

Experian Direct is rebranded as Triple Alert. That CMS will alert you to all 3 reports. I certainly wouldn't burn a new EQ report if they haven't reported to EQ. I'd wait for your CMS to alert you (or SW, whichever alerts first).

Frequent Contributor
racer-x
Posts: 329
Registered: ‎09-16-2012

Re: ScoreWatch not reporting new activity?

[ Edited ]

llecs wrote:  When did it start reporting to TU and EX?

 

If the lender pulls a given CRA it doesn't always mean they'd report to that CRA first. For example my Amex (RIP) and others' most usually exclusively pulls EX. There were months it didn't report to EX first and often last. Mixed bag.

 

Experian Direct is rebranded as Triple Alert. That CMS will alert you to all 3 reports. I certainly wouldn't burn a new EQ report if they haven't reported to EQ. I'd wait for your CMS to alert you (or SW, whichever alerts first).

 

The new accounts reported late last week on TU and EX.

 


Starting Score 9/12: EQ 645 TU 641 EX 651
Current Score5/13: myFico EQ 687 DicoverTU 705 myFico EX 738
Goal Score: 750

AMEX GOLD,AMEX BCP-$10k,US Bank PLOC-$15K,CSP-$15k,Freedom-$6k,CapOneVisa-$15k,US Bank Visa-$10k, DCU Visa-$10k,Paypal MC-$15k,USAA MC-$6k,Lowes-$8600,CapOne Visa-$10k,Discover IT-$12.9K,BoA Visa-$10.1K Walmart -$4k,GECU Visa-$3500, US RLOC-$750

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