topic Re: EQ Score watch in Understanding FICO® Scoring

EQ Score watch

kobe2012 — Tue, 23 Oct 2012 17:58:42 GMT

does this only give you an alert if theres a balance change???? Not for score change for limit increase???

Re: EQ Score watch

llecs — Wed, 24 Oct 2012 02:42:13 GMT

If you have a CC (or whatever) balance increase, then that will trigger a credit alert & will alert you to a new score you had at that moment.

If you have a CLI on a CC, that will not trigger a credit alert.

If you have a CLI on a CC -AND- your balance reported an increase on EQ, then you'll get a credit alert due to the balance increase and SW will grab your latest EQ FICO as of that moment.

If you have a CLI on a CC -AND- your balance stayed the same or decreased, you will not get a credit alert. However, if your EQ FICO changed as a result of that CLI -AND- your EQ FICO hit or surpassed your target score in either direction, then you would get a score alert within 7-10 days or whenever your EQ FICO is monitored next.

Re: EQ Score watch

kobe2012 — Wed, 24 Oct 2012 03:48:57 GMT

@llecs wrote:
If you have a CC (or whatever) balance increase, then that will trigger a credit alert & will alert you to a new score you had at that moment.

If you have a CLI on a CC, that will not trigger a credit alert.

If you have a CLI on a CC -AND- your balance reported an increase on EQ, then you'll get a credit alert due to the balance increase and SW will grab your latest EQ FICO as of that moment.

If you have a CLI on a CC -AND- your balance stayed the same or decreased, you will not get a credit alert. However, if your EQ FICO changed as a result of that CLI -AND- your EQ FICO hit or surpassed your target score in either direction, then you would get a score alert within 7-10 days or whenever your EQ FICO is monitored next.

oh, ok... well explained... thx!!

Re: EQ Score watch

Anonymous — Thu, 08 Nov 2012 21:46:03 GMT

You can set alerts to show changes in different area. However I have been unable to modify the alerts for several months now.