Credit Card Center Advertiser Disclosure

Senior Contributor
Posts: 5,488
Registered: ‎11-13-2012
0 Kudos

Re: When does the score refresh???

[ Edited ]

I have the feeling that SW is sometimes not working properly Smiley Sad  My last alert was on 05/18 and I paid a 40% util on Discover and had a new account "Barclaycard Arrival" report and still nothing from SW. But looking at the EQ report  the balance got reported with 0  and the new account already on my report but SW still nothing. Normally SW is 1 day late with alerts compared to EQ and not 3 days!  EQ Fico from EQ was 779 after the 0 balance reported and SW still at 766. 3 days after the new Barclaycard reported finally SW did move directly to 773 from 766. EQ score watch had one step inbetween 766 - 779 - 773. This is very strange but it looks that SW is not very reliable Smiley Sad ...did not even alert a new account in reasonable time!  I had a 2 months trial on EQ Fico score watch in combination with MyFico SW and it was kind of interesting to see how fast EQ alerted and how slow MyFico SW came up with changes. Still cancelled EQ and kept MyFico as I like the interface better.

Move the mouse over the cards for detailed view!
....Last HP 01 NOV 2016...............

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.