topic Re: Finally an ALERT! in Understanding FICO® Scoring

Finally an ALERT!

Anonymous — Tue, 20 May 2008 22:37:16 GMT

I've never been more excited in my life about getting an alert through email from some website. I know a lot of people have been complaining about myfico not updating and/or sending alerts. I just got a first alert since i signed up. It was an inquiry from Capitol One after i applied for a credit card. Has anybody else recieved alerts today??

Re: Finally an ALERT!

Anonymous — Tue, 20 May 2008 23:19:23 GMT

I get them about once every five to twenty days, depending on circumstances.

Re: Finally an ALERT!

tcham54687 — Tue, 20 May 2008 23:24:16 GMT

zparadox wrote:
I've never been more excited in my life about getting an alert through email from some website. I know a lot of people have been complaining about myfico not updating and/or sending alerts. I just got a first alert since i signed up. It was an inquiry from Capitol One after i applied for a credit card. Has anybody else recieved alerts today??

I received an alert today also...of course it was after I ordered my EQ report through myFICO. The send an alert every time I order my EQ though them.

Re: Finally an ALERT!

Anonymous — Wed, 21 May 2008 00:51:44 GMT

I applied for the Capitol One card and the American Express card on the same day and got both cards, but it doesnt show that American express did an inquiry only cap 1. Thats kind of weird since the Am ex gave me a 800% more credit limit then cap 1.

That's really messed up on the myfico's part to only update the SW after ordering a new report.

Re: Finally an ALERT!

haulingthescoreup — Wed, 21 May 2008 01:37:59 GMT

@Anonymous wrote:

I applied for the Capitol One card and the American Express card on the same day and got both cards, but it doesnt show that American express did an inquiry only cap 1. Thats kind of weird since the Am ex gave me a 800% more credit limit then cap 1.

That's really messed up on the myfico's part to only update the SW after ordering a new report.

Remember that you will only get a notice of an inq that was pulled from EQ. AmEx usually does EX. You should get an alert when the new account posts, although it took my new AmEx 10 weeks to show up on my reports.

There is a built-in delay of 2 days to a week for alerts to go out, so if you are antsy about your report, because something has happened, it's very easy to pull it before you get the alert. I have ground my teeth something fierce waiting for the alert to come to see if it's worth pulling the report.

Barry had a thread explaining what does and does not trigger an alert, and what the timetable is. I stickied in on my siggy below. HTH

edit: I meant to add that not only do I have ScoreWatch, but I also have Equifax Credit Monitor Gold and TrueCredit (I know, I know, belt and suspenders.) Typically, after something hits my EQ report, I get an alert from the Equifax monitoring thing within 48 hours or so, then from ScoreWatch 6-12 hours later, then TrueCredit a day or two after that, long after I've seen it on my TrueCredit reports. Kind of entertaining, although my co-workers keep asking why my cell phone keeps beeping for new text messages.

Message Edited by haulingthescoreup on 05-20-2008 06:37 PM

Re: Finally an ALERT!

Anonymous — Wed, 21 May 2008 02:09:08 GMT

I get an alert every 30 days about a balance changing.

Re: Finally an ALERT!

Anonymous — Wed, 21 May 2008 02:55:02 GMT

My fico score didn't change at all though and I'm pretty sure that opening two new accounts and having my oldest account only 2 years the score should have dropped. But SW says there is no change. I'm certain if i pulled the new cretid report it would definately change, but i dont want to pay 11 dollars for something SW should do automatically.

Re: Finally an ALERT!

Junejer — Wed, 21 May 2008 03:22:54 GMT

Yeah, me too. Down 11 for a rebucket.