topic Re: scorewatch in General Credit Topics

scorewatch

Anonymous — Fri, 22 Jun 2007 03:23:01 GMT

How often does scorewatch send you your score? Funny thing...when I was in the 30 day free trial period, they sent me a score weekly. Now that they have charged me the 89.95 which was on June 7, I haven't gotten a score from them since. What's up with that?????????

Re: scorewatch

MidnightVoice — Fri, 22 Jun 2007 03:34:24 GMT

Presumably your score has not changed.

Check it and see

Re: scorewatch

Anonymous — Fri, 22 Jun 2007 04:21:52 GMT

MidnightVoice wrote:
Presumably your score has not changed.

Check it and see

i understand that....but before they were sending it to me once a week, even when there was no changes...now i haven't gotten anything since June 7.......

Re: scorewatch

Anonymous — Fri, 22 Jun 2007 05:16:29 GMT

There can be many reasons. But I found delays until another events tripped it to report. Not sure if it was actually late or if it doesn't report on every kind of score change or if it doesn't check your report daily. I don't know. I just know it doesn't do everything exactly on time all the time. It's pretty good with reporting UTL changes.

Re: scorewatch

MidnightVoice — Fri, 22 Jun 2007 14:00:31 GMT

You can also change the setting that determine when it sends alerts

Re: scorewatch

Anonymous — Fri, 22 Jun 2007 15:12:37 GMT

Score watch should be called Score glance instead. They can't manage to keep you updated. They know about the problem, post it on the web-site when you sign in and Tusc is even going to dicuss it in an upcoming post. But you present an issue that is much discussed on this board. I've change all my settings to be as sensitive as posible to any changes. Can't tell you for sure if my changes work since I'm still in the 30 day trial period myself. It would be nice to know if FICO has any plans to change it.

Re: scorewatch

smallfry — Fri, 22 Jun 2007 21:21:03 GMT

I've found it to be at least one day behind the other Score Watch product. Not a big deal to me might be to you.

Re: scorewatch

Anonymous — Fri, 22 Jun 2007 21:47:35 GMT

i, too, received many scorewatch alerts when i first signed up; however, now i rarely get them...in fact, there have been several times in the past 6 months where i pulled my scores and eq score was up or down and never got an alert. my settings are as sensitive as they can be.

Re: scorewatch

sl — Fri, 22 Jun 2007 22:24:41 GMT

That has happened to me a few times. When I pull a report through SW and my score changed and I did not get an alert, I called in and explained the situation and 90% of the time they credited my account with a free CR pull.

Call in and talk to CS, 90% of the time they are excellent to work with.

Re: scorewatch

Anonymous — Fri, 22 Jun 2007 22:54:12 GMT

I think the Score Trending is daily, Inq might be daily too, and others fall weekly. I also tweeked the bamzoo out of my settings. I think also when you first sign up everything is backdated and triggered. After that is only goes forward. For me, I get a 1-7 day delay. Now that I understand (for my account) it updates weekly it's all cool. I thought it wasn't working because I can pull a score power and get an updated score before score watch reports it. Then again the rep could have told me it was weekly so I wouldn't think it was late? Who knows. I get my score with in 7 days or less all the time. So maybe that's the way it is? I'm happy with it.

Message Edited by ilovepizza on 06-22-2007 03:54 PM

Re: scorewatch

smallfry — Fri, 22 Jun 2007 22:34:32 GMT

@Anonymous wrote:
Mine dropped to weekly. I think the Score Trending is daily, and others fall weekly. I also tweeked the bamzoo out of my settings to trigger as much as possible.

Could you share what you have done to tweak the system in a general way? Thanks.

Re: scorewatch

sl — Fri, 22 Jun 2007 22:36:51 GMT

I just changed mine to alert me when an account increases more than $25.00. That should trigger one for sure.

Re: scorewatch

smallfry — Fri, 22 Jun 2007 23:02:03 GMT

You'll have to wait till it reports. Might be monthly or thereabouts anyway. I'll try that though.

Re: scorewatch

Anonymous — Fri, 22 Jun 2007 23:11:07 GMT

@smallfry wrote:

@Anonymous wrote:
Mine dropped to weekly. I think the Score Trending is daily, and others fall weekly. I also tweeked the bamzoo out of my settings to trigger as much as possible.

Could you share what you have done to tweak the system in a general way? Thanks.

Sure.

Under Summery:
The best thing you can do in Score Trending (the legend graph) is set between Mortgage, Auto, and Equity. The scores will change on the left side. Change this to what ever is closest to your score each time it changes. When you trip the line above you should be notified right away I was told. That would be daily.

Under My Alert Preferences:
Category. This needs to match the settings for the Legend on the graph as described above and set to ON. Daily.

Then below were weekly.
Target Score. This should be set to CURRENT SCORE. Change this every time your score changes to match exactly. This should be set to ON.

Balance $ increase. = I set to ($1)
Balance % increase. = I set to (1%)
Dormant Card Activity. = I set to (1 months)

Thats about it. I don't know if these will make things work better for you, but 3 reps told me to do it this way.

Message Edited by ilovepizza on 06-22-2007 04:11 PM

Re: scorewatch

smallfry — Fri, 22 Jun 2007 23:14:02 GMT

Pizza that is exactly what I had set up with the exception of dormant cards. I find the lowest setting to be 3 months. Thanks.

Message Edited by smallfry on 06-22-2007 07:14 PM

Re: scorewatch

Anonymous — Sat, 23 Jun 2007 00:21:46 GMT

ilovepizza wrote:

Balance $ increase. = I set to ($1)
Balance % increase. = I set to (1%)
Dormant Card Activity. = I set to (1 months)

Not true. 5% and 3 months are the lowest values in the dropdown.

Re: scorewatch

Anonymous — Sat, 23 Jun 2007 00:30:38 GMT

@Anonymous wrote:
@Anonymous wrote:
Balance $ increase. = I set to ($1) Balance % increase. = I set to (1%) Dormant Card Activity. = I set to (1 months)
Not true. 5% and 3 months are the lowest values in the dropdown.

Hmm. I thought Eq and MyFICO had the same Score Watch. I am currently using Score Watch through Equifax.

Message Edited by ilovepizza on 06-22-2007 05:30 PM

Re: scorewatch

Anonymous — Sat, 23 Jun 2007 00:28:42 GMT

ilovepizza wrote:

Hmm. I thought Eq and MyFICO had the same Score Watch. This was from Equifax Score Watch. I kept thinking there was a drop down list before. I am currently using Score Watch from Equifax.

FICO SW and EQ SW both give a FICO score, but different products and interfaces by the same name so I'm told.

Re: scorewatch

Anonymous — Sat, 23 Jun 2007 00:34:01 GMT

@Anonymous wrote:

@Anonymous wrote:
Hmm. I thought Eq and MyFICO had the same Score Watch. This was from Equifax Score Watch. I kept thinking there was a drop down list before. I am currently using Score Watch from Equifax.

FICO SW and EQ SW both give a FICO score, but different products and interfaces by the same name so I'm told.

It's a trade mark name isn't it? Wouldn't Fair Isaacs own both. I would have thought it was the same product. In that case set to the lowest for % and months. Sorry. Then this might only apply for Equifax Score Watch.

Re: scorewatch

smallfry — Sat, 23 Jun 2007 01:14:55 GMT

@Anonymous wrote:

@Anonymous wrote:

@Anonymous wrote:
Hmm. I thought Eq and MyFICO had the same Score Watch. This was from Equifax Score Watch. I kept thinking there was a drop down list before. I am currently using Score Watch from Equifax.

FICO SW and EQ SW both give a FICO score, but different products and interfaces by the same name so I'm told.

It's a trade mark name isn't it? Wouldn't Fair Isaacs own both. I would have thought it was the same product. In that case set to the lowest for % and months. Sorry. Then this might only apply for Equifax Score Watch.

Got it. I have both for a few more days and I see the setting is indeed 1 month on the EQ SW.