topic Re: Myfico SW Alert...Auuugghh! in General Credit Topics

Myfico SW Alert...Auuugghh!

Junejer — Mon, 10 Mar 2008 03:27:33 GMT

Okay, so just before I enter church today, I get a text message. I am in a panic, b/c it's a SW Alert. There has been a change to my CR. I am thinking that they updated my CC balance. I was erroneously thinking that I would see that huge score increase. NOT! I ran to my computer when I got home from church to see what's what. This is the quote from my email. "There are a few changes to your credit report today:
An account listed on your credit report has changed."

I have inspected my report with a fine-toothed comb and found ZERO Changes. My score is the same, there are no new inquiries, no updates to the two accounts that have a balance, no new collections or public records. What in the wide, wide world of sports is going on around here? How stupid is this? Has this happened to others? How commonplace is this?

Re: Myfico SW Alert...Auuugghh!

Anonymous — Mon, 10 Mar 2008 03:31:07 GMT

I had that happen on my SW...all mine was that the description on my credit card dispute was initially "consumer disputes blah blah blah" and it changed back to "credit card"..can't remember what field it was in but, no score change or anything for me either

Re: Myfico SW Alert...Auuugghh!

Junejer — Mon, 10 Mar 2008 03:37:50 GMT

I bet SW just wants me to buy another score. I just did on 3/3/08, so no way baby.

Re: Myfico SW Alert...Auuugghh!

Anonymous — Mon, 10 Mar 2008 03:43:25 GMT

LMAO it all has to do with what you have the settings on with SW....I got an alert saying...OC reported new Bal....from N/A to $0 and increase debt was $75 now $79

Re: Myfico SW Alert...Auuugghh!

Junejer — Mon, 10 Mar 2008 04:03:21 GMT

That's just it HappyDays, no balance increases reported or anything. Maybe I am just dense, but I don't see anything different. I only have two accounts with balances, so it was easy to check the balances...no changes. Do I need to buy a new report to see what the changes were?

Re: Myfico SW Alert...Auuugghh!

Anonymous — Mon, 10 Mar 2008 04:18:20 GMT

No you are not dense....maybe the alert went before they updated all info. I have gotten them when I couldn't see any change.

Re: Myfico SW Alert...Auuugghh!

Anonymous — Mon, 10 Mar 2008 04:52:01 GMT

I got an alert saying a account had updated........went and checked and an account update status or something from "N/A" to "N/A".

Re: Myfico SW Alert...Auuugghh!

Junejer — Mon, 10 Mar 2008 05:13:45 GMT

I figured it out. I had an old auto loan from American Honda that was paid off 2-1/2 years ago that changed the status from pays as agreed to not reported. I don't know what would have caused this change (account was paid perfectly for the three years we had it).

Anyway, no score change, so whew!

Thanks for your responses everyone.

Message Edited by ByrdMan on 03-10-2008 12:13 AM

Re: Myfico SW Alert...Auuugghh!

Schoolbuskid — Mon, 10 Mar 2008 13:05:31 GMT

Well i had that happen to me this morning but when i checked to see the changes their wasnt any! This is not the first time either, usually if i check it a lil later on in the day or the next day i see changes! BTW i use Equifax's ScoreWatch instead of Myfico's. I be expecting to see something then when i dont it kinda upsets me!

Re: Myfico SW Alert...Auuugghh!

MsKmm00 — Mon, 10 Mar 2008 13:40:29 GMT

Just be glad you are receiving alerts lol. I have used ScoreWatch on the MyFico and Equifax sites and never receive alerts when there are changes to my accounts.

Re: Myfico SW Alert...Auuugghh!

Junejer — Mon, 10 Mar 2008 15:18:49 GMT

MsKmm, I had that same problem. I discovered on this forum that it was b/c I had my target score set wrong. I had it set to 800. Great goal, but bad for SW alerts. Set the target score at your current score, make changes in balances, etc. the minimum avail (eg. $5 bal. change,).

Re: Myfico SW Alert...Auuugghh!

Schoolbuskid — Tue, 11 Mar 2008 13:35:01 GMT

MsKmm00 wrote:
Just be glad you are receiving alerts lol. I have used ScoreWatch on the MyFico and Equifax sites and never receive alerts when there are changes to my accounts.

Well see, the thing is i wasnt receiving any alerts for awhile either so i called Equifax and spoke with a really nice guy and i told him that i usually receive a score alert around the 18-20th of every month.

He told me to turn off my target score range , and wait for about a week (hoping by friday to see score change)then i should be seeing a score change. Well, i did began get alerts like crazy but no score change. It sucks and i have had plenty of new accounts added and balances have been updated! I just dont get it!

But i thought i would share that with you! Good Luck!