topic Re: Problem with SW not sending alerts? in myFICO® Product Feedback

Problem with SW not sending alerts?

Globalgirl — Mon, 18 Mar 2013 15:32:15 GMT

Anyone else having issues with SW not sending alerts? My utilization has changed and it is reflecting on TU, but apparently not EQ?

Re: Problem with SW not sending alerts?

llecs — Mon, 18 Mar 2013 20:35:37 GMT

Up or down and by how much?

Re: Problem with SW not sending alerts?

Globalgirl — Mon, 18 Mar 2013 20:46:35 GMT

Down, from 10% to 5%

Re: Problem with SW not sending alerts?

llecs — Mon, 18 Mar 2013 22:43:15 GMT

How long ago was this? While you can't get a firm answer when comparing EQ to TU, how long ago did TU update?

Re: Problem with SW not sending alerts?

Globalgirl — Mon, 18 Mar 2013 23:10:14 GMT

TU updated on the 15th. Maybe EQ will update in a few days!

Re: Problem with SW not sending alerts?

llecs — Mon, 18 Mar 2013 23:21:11 GMT

SW won't alert you to dropped balances. So assuming there were no credit changes or balance increases, then you wouldn't get a credit alert. However, your EQ FICO is monitored for changes every 7-10 days. Assuming your score changed and surpassed your target score as found in settings, then you'll get a score alert alerting to the new EQ FICO. Not every paydown will result in a FICO increase though. Paying down from 10% overall util to 5% might increase your EQ FICO. Hard telling. If util is listed as a top negative, then I would think there's a good chance.

Re: Problem with SW not sending alerts?

Globalgirl — Mon, 18 Mar 2013 23:35:33 GMT

Thanks, llecs! It's not a top negative. Actually my top negative is a recent collection that they (west asset management) refuse to delete...approximately 6 months old. That's killing my score. I purchased a report and the score has not changed. EQ 642 and TU 639. Thanks, again!