topic Score Updates Every 7-10 days? in myFICO® Product Feedback

Score Updates Every 7-10 days?

Tons_of_Debt — Fri, 01 Aug 2008 20:02:51 GMT

Is this correct? SW will update my FICO score every 7-10 days if the score has changed?

Re: Score Updates Every 7-10 days?

Anonymous — Fri, 01 Aug 2008 21:16:50 GMT

Even if it doesn't change.

Some people get an email to the effect that in the past week there has been no change in your score. I haven't seen it personally, but others have posted it.

Re: Score Updates Every 7-10 days?

Tons_of_Debt — Fri, 01 Aug 2008 22:23:45 GMT

Thank you!!!

Re: Score Updates Every 7-10 days?

Anonymous — Tue, 05 Aug 2008 03:31:35 GMT

I haven't received any update, including 'no update'.. since July 18th. I'm constantly feeling ripped off by this product.

Re: Score Updates Every 7-10 days?

Anonymous — Tue, 05 Aug 2008 04:08:15 GMT

Try calling CS? Or maybe Barry can escalate your issue.

If you have pulled an additional score power report since then, your 7-10 days will reset to new report date.

Re: Score Updates Every 7-10 days?

Barry — Tue, 05 Aug 2008 22:05:19 GMT

Do you have reason to believe there's been a change to your credit report or score that should have triggered an alert? Not sure why you wouldn't have at least received a 'no update' alert.

There's been an additional free report added to your Score Watch subscription so you can see if there have been any changes. Then you can contact Customer Care if you still feel you should have received an alert since 7/18. Good luck, jommie!

jommie wrote:
I haven't received any update, including 'no update'.. since July 18th. I'm constantly feeling ripped off by this product.

Re: Score Updates Every 7-10 days?

Anonymous — Wed, 06 Aug 2008 21:23:04 GMT

I had paid down considerable balances in the last two months and there should be at least one INQ.

My score went up 20 points when I just used the Score Power report - definitely something off here.

Re: Score Updates Every 7-10 days?

Tons_of_Debt — Thu, 07 Aug 2008 13:34:46 GMT

I think I'm having the same problem. :-( A new account was added and no SW alert. Thankfully I'm still in my 30 day trial. I'll wait it out to see if anything updates but from all the problems I've read about, that may not happen. :-(

Seems to be hit or miss with SW...

Re: Score Updates Every 7-10 days?

Anonymous — Thu, 07 Aug 2008 14:44:14 GMT

Yep, 18 days without an alert and having a 20 point increase definitely raises a red flag. It shouldn't be difficult to send updates... that is the whole point of this 'software'.

Re: Score Updates Every 7-10 days?

Anonymous — Thu, 07 Aug 2008 16:32:43 GMT

Both my wife and I went for 6 weeks without an update. Customer Service seems clueless when I try to tell them I should at least get a message saying my score hasn't changed. They keep trying to explain the recent changes to SW (about not getting an alert for any score change), but I try to tell them that that change has nothing to do with this.

Re: Score Updates Every 7-10 days?

Anonymous — Thu, 07 Aug 2008 20:46:49 GMT

i have not received an alert since the 24th.
i am in the middle of DVing several items.....so i expect to receive some kind of score change.....but nothing has happened.....when i first signed up i use to get 2 a week.

how do i make it so at least i get the "there are no updates" e-mail?

Message Edited by molly73 on 08-07-2008 03:46 PM

Re: Score Updates Every 7-10 days?

Barry — Fri, 08 Aug 2008 17:36:42 GMT

Hi jommie...Not sure what your target score was set to prior to the 20 point increase or when your score increased, so I can't comment on whether or not you should have received an alert for that score change. But I was able to find out that your last inquiry was 7/17 and you were sent an alert the following day, 7/18. And, keep in mind that alerts aren't triggered for balance decreases.

jommie wrote:

I had paid down considerable balances in the last two months and there should be at least one INQ.

My score went up 20 points when I just used the Score Power report - definitely something off here.

Re: Score Updates Every 7-10 days?

Barry — Fri, 08 Aug 2008 17:43:29 GMT

Hi Tons_of_Debt...Are you sure an account was added to your Equifax report since you first subscribed on 8/1? You may want to pull your second Equifax report to see if that new account appears since that's what's going to have to happen before an alert is triggered.

Tons_of_Debt wrote:

I think I'm having the same problem. :-( A new account was added and no SW alert. Thankfully I'm still in my 30 day trial. I'll wait it out to see if anything updates but from all the problems I've read about, that may not happen. :-(

Seems to be hit or miss with SW...

Re: Score Updates Every 7-10 days?

Barry — Fri, 08 Aug 2008 18:15:38 GMT

Hi peterkronenberg....Looks like you've been receiving multiple alerts each month for quite awhile. And, if you turn your Target Score setting to "on" you may get even more. Also, you'll only get an alert saying there have been no alert triggering changes if you go a full month without one.

peterkronenberg wrote:
Both my wife and I went for 6 weeks without an update. Customer Service seems clueless when I try to tell them I should at least get a message saying my score hasn't changed. They keep trying to explain the recent changes to SW (about not getting an alert for any score change), but I try to tell them that that change has nothing to do with this.

Message Edited by Barry on 08-08-2008 11:15 AM

Re: Score Updates Every 7-10 days?

Barry — Fri, 08 Aug 2008 18:26:14 GMT

Hi molly73...Looks like you were sent 6 alerts just last month, so something in SW must be working. To get the "there are no updates" e-mail you have to go a full month without any alerts. And, as for DVing several items, are you expecting to have these items removed because none of them are yours?

molly73 wrote:
i have not received an alert since the 24th.
i am in the middle of DVing several items.....so i expect to receive some kind of score change.....but nothing has happened.....when i first signed up i use to get 2 a week.

how do i make it so at least i get the "there are no updates" e-mail?

Message Edited by molly73 on 08-07-2008 03:46 PM

Re: Score Updates Every 7-10 days?

Anonymous — Fri, 08 Aug 2008 21:18:44 GMT

hey barry -

thanks so much for getting back to me on this!
6 times......i saw that i had 6 credit alerts.....but did not receive that many e-mailed alerts.

yes....DV'ed several accounts that were not correct...& many of them are dropping off....received letters from the CA saying that they could not verify the accounts....so i thought that would cause some sort of change in my score...that is why i was concerned about not seeing any fico score activity...am i wrong?

Re: Score Updates Every 7-10 days?

Barry — Fri, 08 Aug 2008 22:05:17 GMT

Hi molly73....I don't know exactly what you mean by "emailed alerts" vs. credit alerts. You should have received all of your credit alerts via email.

As for those CAs dropping off and your score not changing, there can be many reasons for this. But the first thing to do is pull an updated Equifax report. There's a free SW Equifax report waiting for you if you want to do this. Then you can see what changes have actually taken place. Good luck!

molly73 wrote:
hey barry -

thanks so much for getting back to me on this!
6 times......i saw that i had 6 credit alerts.....but did not receive that many e-mailed alerts.

yes....DV'ed several accounts that were not correct...& many of them are dropping off....received letters from the CA saying that they could not verify the accounts....so i thought that would cause some sort of change in my score...that is why i was concerned about not seeing any fico score activity...am i wrong?

Re: Score Updates Every 7-10 days?

Anonymous — Fri, 08 Aug 2008 22:31:41 GMT

barry thanks again for the help!

for some reason i did not receive all of those alerts.....that maybe a problem on my end....i'm going to look into it.

thanks again!

Re: Score Updates Every 7-10 days?

Anonymous — Fri, 08 Aug 2008 22:57:28 GMT

molly73 wrote:
barry thanks again for the help!

for some reason i did not receive all of those alerts.....that maybe a problem on my end....i'm going to look into it.

thanks again!

Just FYI, check you junk/spam filters...

Re: Score Updates Every 7-10 days?

dilligaf_racing — Sat, 09 Aug 2008 06:06:39 GMT

I received an email from scorewatch yesterday that said this. No Score Watch alerts this month. For the past month, myfico Score Watch has been monitoring your fico score and credit report for important changes. No important changes were found that caused an alert. Score Watch will continue monitoring and send an alert if an important change is detected. Well now I know it doesnt work because I pulled my scores myself a few times one on 7-22 and on 8-4 and ive had a 30 pt increase on EQ.. what is the deal??? They send these emails saying nothing changed, and quite a bit changed. The part that upsets me is I paid 89.95 for score watch to WATCH MY SCORE. If I have to pay every time to really find out, whats the point of score watch? I feel ripped off.. dont buy SW !