topic Score update in Understanding FICO® Scoring

Score update

Anonymous — Wed, 02 Apr 2008 12:21:11 GMT

I just bought the credit complete score watch program yesterday. How often do these scores update? Monthly?

Re: Score update

Anonymous — Wed, 02 Apr 2008 13:17:19 GMT

It depends-

I get alerts at least monthly-

During my Credit repair days- I had alerts weekly and sometimes multiple times per week.

Set you score setting to your current score or 1 point above.

trashyart2000 wrote:

I just bought the credit complete score watch program yesterday. How often do these scores update? Monthly?

Re: Score update

haulingthescoreup — Wed, 02 Apr 2008 19:08:06 GMT

Timothy, I think that trashyart bought the credit complete product, the one-time pull of all three scores. And you're talking about Scorewatch.

Trashyart, I think that you bought all three scores for just one time. And they only remain viewable for a month.

Re: Score update

Anonymous — Thu, 03 Apr 2008 14:05:18 GMT

Tim- yes I did buy the credit complete. I was not aware it doesn't update. I feel now that I just wasted $30 some dollars for nothing. Its no one's fault but I known this, I'd rather throw the $30 more into my cc payment.

Re: Score update

Anonymous — Thu, 03 Apr 2008 14:19:33 GMT

I bought the same thing. I didn't realize that it was a snapshot and not dynamic. So with out buying another product I can't view day to day changes, correct? I guess my next question is how often is my score adjusted? Is it daily, weekly, monthly. I feel like the more I learn the more I realize how much I don't know.

Re: Score update

Anonymous — Thu, 03 Apr 2008 16:22:49 GMT

gdahlber wrote:

I bought the same thing. I didn't realize that it was a snapshot and not dynamic. So with out buying another product I can't view day to day changes, correct? I guess my next question is how often is my score adjusted? Is it daily, weekly, monthly. I feel like the more I learn the more I realize how much I don't know.

Hi gdahlber, and welcome to the FICO Forums!

Your score is generated based on the data on your report, and it is only generated when the report is pulled and the data on that report is run through the scoring algorithm. That score is based on what is on your credit reports at the time of the score request.

So, it's not really a question of how often your score is adjusted. It is generated on the fly every single time it is requested, but is not generated at all if it's not requested.

Hope that helps.