topic Re: So Score watch only watch EQ?? in myFICO® Product Feedback

So Score watch only watch EQ??

Anonymous — Sun, 29 Jun 2008 17:55:44 GMT

Guys i was using SW for the 1st time this month, and got an alert +24point in my email and when i checked it was my EQ, so is that mean if my EX,TU score was rise, there wont be any alert in my email? Ty

Re: So Score watch only watch EQ??

Anonymous — Sun, 29 Jun 2008 18:13:11 GMT

You are correct.

Re: So Score watch only watch EQ??

Anonymous — Sun, 29 Jun 2008 18:18:25 GMT

Ow..Ok. Also my point up because of the change from 120+days late to Paid as agree and an active account (where it was inactive for 6mth) i was wondering will i get any alert saying about "lower utility?" cuz this mth im paying down my util from 90% to 40%.

Re: So Score watch only watch EQ??

Anonymous — Wed, 16 Jul 2008 04:23:52 GMT

I thought it monitored TU, too, if you subscribed to the "extra" service?

I'm doing both Scorewatch and the FICO monitoring thingie (whichever one also monitors TU).

If it's going to keep tabs on TU, it's worth the extra $5!!

Re: So Score watch only watch EQ??

Barry — Wed, 16 Jul 2008 16:30:38 GMT

kearney wrote:
Ow..Ok. Also my point up because of the change from 120+days late to Paid as agree and an active account (where it was inactive for 6mth) i was wondering will i get any alert saying about "lower utility?" cuz this mth im paying down my util from 90% to 40%.

Good question, but the answer is no. While it would be nice, unfortunately SW doesn't alert you to changes in your utilization or balance decreases.

Re: So Score watch only watch EQ??

Anonymous — Wed, 16 Jul 2008 17:53:42 GMT

Barry wrote:

kearney wrote:
Ow..Ok. Also my point up because of the change from 120+days late to Paid as agree and an active account (where it was inactive for 6mth) i was wondering will i get any alert saying about "lower utility?" cuz this mth im paying down my util from 90% to 40%.
Good question, but the answer is no. While it would be nice, unfortunately SW doesn't alert you to changes in your utilization or balance decreases.

Barry - why can't it? Util & the associated balance decreases plays a huuuuuuuge part in scores - so it only makes sense that these would be monitored. Is there some reason in the programming that this can't be changed?

Re: So Score watch only watch EQ??

Barry — Wed, 16 Jul 2008 18:22:11 GMT

desifink wrote:

Barry wrote:

kearney wrote:
Ow..Ok. Also my point up because of the change from 120+days late to Paid as agree and an active account (where it was inactive for 6mth) i was wondering will i get any alert saying about "lower utility?" cuz this mth im paying down my util from 90% to 40%.

Good question, but the answer is no. While it would be nice, unfortunately SW doesn't alert you to changes in your utilization or balance decreases.

Barry - why can't it? Util & the associated balance decreases plays a huuuuuuuge part in scores - so it only makes sense that these would be monitored. Is there some reason in the programming that this can't be changed?

I agree that it would be a great feature, but there don't appear to be the resources to develop this anytime soon. Great idea, though.

Re: So Score watch only watch EQ??

makeynik — Wed, 30 Jul 2008 16:32:55 GMT

A complaint:

I subscribe to myfico/scorewatch
I recently found out that the Equifax address is a "no go" for certain zip codes.

In June, I mailed a dispute to the Equifax addy given.
I got a strange reply letter from EQ stating it does not investigate credit issues, but without any further explanantion.

I noticed that my EQ report did not drop things that EX and Tu did.
I ended up paying for EQ Gold with scorewatch. When I went to dispute online these items, I was referred by zip to CSC for online investigation. So I have to wait an additional 30 days. I called EQ about expediting the process and they gave me CSC number:866-264-4878. When I called CSC today about expediting the process because of poor communication between companies, the rep told me to call EQ!

I really think that MYFico/Scorewatch has to make it clear that if you live in a certain area you need to dipute with CSC, because EQ will not do anything, nada, zip, zilch, and you are waiting and sitting on your thumbs for 30 days only to repeat the process...

Re: So Score watch only watch EQ??

makeynik — Wed, 30 Jul 2008 16:59:14 GMT

I did just drop scorewatch as a result...

Re: So Score watch only watch EQ??

Barry — Wed, 30 Jul 2008 18:28:34 GMT

While it's true that in certain parts of the country, CSC handles Equifax disputes, CSC should be providing the same services and within the same timelines as Equifax.

makeynik wrote:
A complaint:

I subscribe to myfico/scorewatch
I recently found out that the Equifax address is a "no go" for certain zip codes.

In June, I mailed a dispute to the Equifax addy given.
I got a strange reply letter from EQ stating it does not investigate credit issues, but without any further explanantion.

I noticed that my EQ report did not drop things that EX and Tu did.
I ended up paying for EQ Gold with scorewatch. When I went to dispute online these items, I was referred by zip to CSC for online investigation. So I have to wait an additional 30 days. I called EQ about expediting the process and they gave me CSC number:866-264-4878. When I called CSC today about expediting the process because of poor communication between companies, the rep told me to call EQ!

I really think that MYFico/Scorewatch has to make it clear that if you live in a certain area you need to dipute with CSC, because EQ will not do anything, nada, zip, zilch, and you are waiting and sitting on your thumbs for 30 days only to repeat the process...

Re: So Score watch only watch EQ??

makeynik — Wed, 30 Jul 2008 19:10:48 GMT

Barry,
I am sure that is true, but there is nothing out there it seems from myfico to send someone in a timely manner to CSC for dispute, so it wasn't until I went on EQ website and tried to dispute online that I had any inkling...shouldn't myfico make it aware to its paying customers that they should check their zip code with EQ from the get-go and not send someone on a 30 day goosechase. I mean, if I am paying for a service, such as scorewatch, which I was, which only deals with EQ, shouldn't their be some notification that EQ will not handle disputes if you live in such and such a place?

Re: So Score watch only watch EQ??

Barry — Wed, 30 Jul 2008 19:49:13 GMT

I'll see if there's something myFICO and Equifax can do to clarify this situation for users in the CSC zip codes. Just so you know, myFICO works only with Equifax directly and has no business relationship CSC. Thanks for raising this issue, makeynik.

makeynik wrote:
Barry,
I am sure that is true, but there is nothing out there it seems from myfico to send someone in a timely manner to CSC for dispute, so it wasn't until I went on EQ website and tried to dispute online that I had any inkling...shouldn't myfico make it aware to its paying customers that they should check their zip code with EQ from the get-go and not send someone on a 30 day goosechase. I mean, if I am paying for a service, such as scorewatch, which I was, which only deals with EQ, shouldn't their be some notification that EQ will not handle disputes if you live in such and such a place?