topic Re: Score Watch is not working. in myFICO® Product Feedback

Score Watch is not working.

Peter1142 — Sun, 18 Aug 2013 21:52:14 GMT

I was just greeted with another "No Score Watch(TM) alerts this week" email.

It is set to notify me whenever a balance changes by $5/5%. I did get a notification that a balance changed the first week I had it but that my score didn't change so I know my score doesn't need to change for it to notify me.

I had two different balance changes report this week.

Last week and the week before I got the same email.

I had FIVE different accounts change balances during the two week period. I pulled and wasted my free report to confirm that this was the case, the day of the no score watch alerts email.

Can someone please confirm am I doing something wrong here or should I write the service off as not working and sit through a 45-minute hold to speak to someone to cancel, as I sent an inquiry via the online system and they said that it "didn't match their records" and I need to call.

... Sorry to be a complainer, the reports and the score are great, but score watch seems to be a hit or miss...

Re: Score Watch is not working.

llecs — Sun, 18 Aug 2013 23:15:17 GMT

How long ago did the balances change on EQ?

Did they surpass the $5/5%?

What kind of accounts are they?

ETa...are any of the TLs listed as being in dispute, or having been disputed?

Re: Score Watch is not working.

Peter1142 — Mon, 19 Aug 2013 23:54:06 GMT

The balances changed a couple days ago.

Last week when I went and did my score power report, it was nearly 2 weeks ago the oldest one it still didn't notify me of.

The accounts are revolving credit, charge (AMEX), and an auto loan.

None are in dispute.

Re: Score Watch is not working.

FicoNoobiski — Fri, 23 Aug 2013 03:55:22 GMT

I had an issue with score watch too. I am done with it, just going to cancel it. It would say no score change. Then after I refresh the score, later in the day or in the next few days, it reports this change.

I've seen personally, score watch trying to cover it's ass. It reported a score change after I bought the refresh score, but it show it as a day prior to me buying the score. Keep scorewatch if you are only planning to refresh the score and use the 30% discount, otherwise just can it.

As a matter of fact, I'm going to cancel quarterly monitoring too, it's equally as useless, the Transunion Fico score that we are given here is not even used by lenders. And as of late, there is no report of any new credit change even though CreditKarma shows that there is a new credit change from the Transunion file they pull. Not a very happy camper with these Myfico subscriptions.

Re: Score Watch is not working.

llecs — Fri, 23 Aug 2013 16:24:46 GMT

@Peter1142 wrote:
The balances changed a couple days ago.

Last week when I went and did my score power report, it was nearly 2 weeks ago the oldest one it still didn't notify me of.

The accounts are revolving credit, charge (AMEX), and an auto loan.

None are in dispute.

Did you ever get an alert? If you pulled EQ from an outside source and saw the balance change on EQ (nevermind EX or TU because not all 3 update at the same time), then I bet an alert came by now. On the balance decreases, I'm not certain they apply to loans but I could be wrong. I have a mortgage that updated once since SW made the change back in June and I don't recall an update. I definitely get alerts for balance changes on my CCs (I have 24 of them )

Re: Score Watch is not working.

llecs — Fri, 23 Aug 2013 16:28:16 GMT

@FicoNoobiski wrote:
I had an issue with score watch too. I am done with it, just going to cancel it. It would say no score change. Then after I refresh the score, later in the day or in the next few days, it reports this change.

I've seen personally, score watch trying to cover it's ass. It reported a score change after I bought the refresh score, but it show it as a day prior to me buying the score. Keep scorewatch if you are only planning to refresh the score and use the 30% discount, otherwise just can it.

As a matter of fact, I'm going to cancel quarterly monitoring too, it's equally as useless, the Transunion Fico score that we are given here is not even used by lenders. And as of late, there is no report of any new credit change even though CreditKarma shows that there is a new credit change from the Transunion file they pull. Not a very happy camper with these Myfico subscriptions.

The alerts seem to drag a day or two behind. I've experienced the same thing where I pulled my EQ FICO the same day I get a "no change" alert, but then again my report changed that very day as did my score.

FICO Quarterly Monitoring (as the name implies) only monitors quarterly. You won't see interim alerts like you would with SW or with any other CMS. The only interim alerts they provide are for changes to your personal info. TU isn't used for that source but maybe LexisNexis. They claim to use several sources. The only interim alerts I ever received were for address/phone number changes all the while TU being unchanged.

Re: Score Watch is not working.

Anonymous — Sat, 24 Aug 2013 15:43:07 GMT

I have the same issue. I have my settings to alert me of balance changes/ score changes, but latley, there hasn't been any score changes. For almost 3 months, I have not had a score change despite paying off all balances on my credit cards one month. And the next month, increasing to about 30% utilization on CC's. Not sure why I can't get a score change. I'm right at 6 months, so I am thinking about canceling...

Re: Score Watch is not working.

Peter1142 — Sat, 24 Aug 2013 19:32:35 GMT

There's no doubt to me that score watch isn't working at all now. My score went down when 30 days passed from a mortgage inquiry and I got no alert, despite the thing being set at my current score. I had to pay to get my score.

Re: Score Watch is not working.

Anonymous — Thu, 29 Aug 2013 23:26:46 GMT

I am in the same boat. My EQ report has updated. The balance change was like 90% and my alert setting is at 30%. I just talked to a supervisor at customer service. He has escalated it and told me to expect a response in 24 hours. we will see. The interesting thing in my case is I have received all my previous alerts correctly.

Re: Score Watch is not working.

Anonymous — Fri, 30 Aug 2013 17:41:04 GMT

Got my scorewatch update today. Didn't hear from myfico, but the update showed up. Don't know if they fixed a problem or just that myfico is behind by a week

Re: Score Watch is not working.

907grown — Wed, 04 Sep 2013 03:48:05 GMT

My score watch does not seem to be working either, week after week it is telling me that there is no change. I know my accounts have changed this month for sure. Not ready o cancel been a long time user and lover of score watch, but can you get a computer person in to figure out why it's not working....
Thanks!

Re: Score Watch is not working.

Anonymous — Tue, 08 Oct 2013 01:37:14 GMT

score watch is a rip off. no updates in months for me but they seem to charge me without any delays. save your money and go somewhere else.

Re: Score Watch is not working.

Javagafire — Thu, 17 Oct 2013 18:06:25 GMT

Oh i see... I get an update every once in a while but for most weeks its the usual "no score changes this week"

For $10/m you can't complain much but if the thing is not working as intended i might cancel it.

Re: Score Watch is not working.

Peter1142 — Thu, 24 Oct 2013 13:08:54 GMT

I still have not gotten any alerts since the first one 3 months ago.

Re: Score Watch is not working.

669 — Thu, 24 Oct 2013 13:44:48 GMT

I have been having issues with Scorewatch.....no text alerts (i still get email alerts), also i pulled my last free scorewatch report the other day and it showed my score had changed, got email later that same day saying that my score had changed. Not going to renew this time.

Re: Score Watch is not working.

Mike_C — Thu, 24 Oct 2013 16:28:01 GMT

I have forwarded this chain to the production team. We are looking into these issues with Score Watch and hope to get back to you.

Re: Score Watch is not working.

ac921ol — Thu, 24 Oct 2013 19:03:57 GMT

does it cost money everytime I want to update my score on Scorewatch??? if not how do I update it???

Re: Score Watch is not working.

Anonymous — Thu, 24 Oct 2013 21:12:09 GMT

Having the same problem; I only get score watch updates AFTER I PAY TO UPDATE MY REPORT. Once my 3 months is over, I am done. I have transunion and the reports are free to up date on a daily basis.

Re: Score Watch is not working.

Peter1142 — Sat, 26 Oct 2013 22:52:29 GMT

@Mike_C wrote:
I have forwarded this chain to the production team. We are looking into these issues with Score Watch and hope to get back to you.

Thanks. I think I am about to cancel though rather than wait and pay unless you want to suspend charges until you get it working, I should have gotten a credit alert for a new account and a new inquiry, and I have gotten nothing, so it is really not working at all, I was hoping to at least get the credit alerts.

Re: Score Watch is not working.

907grown — Sat, 26 Oct 2013 22:59:30 GMT

Hey, another week of no score alerts, I know for a fact that something has changed because I got an alert from the equifax website. My husband has alerts set up for he and I for any changes....... MyFICO, please stay reputable, either fix this glitch ASAP and update your customers on this progress, or refund money to those of us who are paying good money for no product!!!