topic Re: When does ScoreWatch pull a new report to generate a new FICO score? in myFICO® Product Feedback

When does ScoreWatch pull a new report to generate a new FICO score?

Anonymous — Mon, 16 Mar 2009 13:05:24 GMT

On February 13th, a credit card of mine that previously had a balance of $0 reported a balance of $17 and my FICO score got dinged 12 points. I have since paid off another card which reported to Equifax about the 5th of March, and I haven't heard a peep from ScoreWatch. When will it wake up and see have another card at $0 and give me back my points?

Re: When does ScoreWatch pull a new report to generate a new FICO score?

haulingthescoreup — Tue, 17 Mar 2009 00:04:35 GMT

Did you reset your target score to the 12 point lower score when you got the alert?

Re: When does ScoreWatch pull a new report to generate a new FICO score?

Anonymous — Tue, 24 Mar 2009 16:47:04 GMT

Yes, I did. I always set my target to my current whenever I get an alert.

I'm PO'ed now, because I just figured oh well, paying down balances doesn't trigger an alert, so I'll wait it out, but I just got an email that "no important changes were found" this month. Well, maybe not, but several cards that were reporting balances before are no longer reporting a balance. When the one card went from $0 to $17, I was dinged 12 points. Well, if that card and another one are now reporting $0, my score should have gone up, preferably by more than 12 points! Instead, myFICO has not updated at all.

Re: When does ScoreWatch pull a new report to generate a new FICO score?

Anonymous — Tue, 24 Mar 2009 17:44:55 GMT

My EQ score went UP 32 pts. and I never got an alert!

Re: When does ScoreWatch pull a new report to generate a new FICO score?

Anonymous — Tue, 24 Mar 2009 17:46:57 GMT

@Anonymous wrote:
My EQ score went UP 32 pts. and I never got an alert!

How do you know it went up? Did you pull a report from myFICO?

Re: When does ScoreWatch pull a new report to generate a new FICO score?

Anonymous — Tue, 24 Mar 2009 18:23:19 GMT

yes