topic Re: Barry, I just received an alert that my score went down... in myFICO® Product Feedback

Score Watch Alert Issue

Barry — Thu, 18 Jun 2009 21:10:36 GMT

To All Score Watch Subscribers,

We are currently experiencing an issue with the delivery of Score Watch alerts to subscribers. As a result, alerts have not been sent out to any Score Watch subscribers for approximately the past 10 days. Equifax and myFICO have been working to resolve the situation and we expect a solution within the next couple of days.

If you believe you should have received an alert during this time but haven't, it may be due to this situation. Once resolved, all backlogged alerts will be sent out, so there's no need to notify myFICO that you may have been affected.

Updates will be provided here in the Forums as they become available. We regret this delay and very much appreciate your patience.

- Barry

Re: Score Watch Alert Issue

Barry — Sat, 20 Jun 2009 17:09:16 GMT

Score Watch alerts are being sent again; although, it may take a few days for all of the alerts generated over the past couple of weeks to be sent out.

Thanks again to all of you Score Watch subscribers for hanging in there with us!

Re: Score Watch Alert Issue

jrbell10 — Fri, 24 Jul 2009 14:23:07 GMT

I haven't received a score update since the 4th of July. Is this normal? From everything I've read i should be receiving updates about every 7-10 days. If I'm not going to receive updates then I'm just going to cancel my myfico account. Please let me know what's going on with this. I know that new things have been added since the 4th.

Thanks,

John Bell

Re: Score Watch Alert Issue

llecs — Fri, 24 Jul 2009 14:46:26 GMT

It is normal if nothing is happening on your EQ report. Do you have any added accounts, inquiries, significant balance increases, account changes, etc.?

I looked into my history for this month and received 3 alerts. One was for an inquiry which came 1 day after apping with Penfed. And two were for balance increases on 2 of my CCs. Had I not app'd and had I PIF those 2 CCs like I should have then I wouldn't have received any alerts.

Re: Score Watch Alert Issue

Anonymous — Fri, 07 Aug 2009 12:53:25 GMT

Since April I havent received any score alert! nothing chage apparently? there is not a recent alert.

690 as of April 3, 2009 im looking forward to increase my credit ASAP thank you

Re: Score Watch Alert Issue

Barry — Fri, 07 Aug 2009 19:05:05 GMT

administartor wrote:
Since April I havent received any score alert! nothing chage apparently? there is not a recent alert.
690 as of April 3, 2009 im looking forward to increase my credit ASAP thank you

Welcome to the FICO Forums, administartor!

It appears you were never successfully enrolled in Score Watch after the initial 30 day free trial due to a billing issue. You may want to contact myFICO customer service if you have any further questions. Or just check your myFICO member page to be sure you have the right credit card info and reorder Score Watch.

Re: Score Watch Alert Issue

Anonymous — Sun, 09 Aug 2009 17:03:03 GMT

My score alerts are rediculously late. I get the cc statement and pay if off before i get a score alert showing an increase in balance. Makes me wonder what im paying for

Re: Score Watch Alert Issue

Barry — Wed, 12 Aug 2009 00:33:06 GMT

bananablack wrote:
My score alerts are rediculously late. I get the cc statement and pay if off before i get a score alert showing an increase in balance. Makes me wonder what im paying for

Are you sure you have your balance increase settings right? ALL balance increases don't necessarily trigger alerts. They have to increase by a minimum amount that you set.

Barry, I just received an alert that my score went down...

Amleigh — Thu, 08 Oct 2009 17:02:05 GMT

Barry,

I just received an alert that my score went down 23 points on a day that there were no alerts to my credit file. I pulled my Equifax report today in response to the alert, and nothing has changed. I've actually had a couple of revolving account balances DECREASE, one of which were paid off. No new accounts, no public record, no new collections, etc. What could be going on?

Re: Barry, I just received an alert that my score went down...

Barry — Thu, 08 Oct 2009 17:40:06 GMT

Amleigh wrote:

Barry,

I just received an alert that my score went down 23 points on a day that there were no alerts to my credit file. I pulled my Equifax report today in response to the alert, and nothing has changed. I've actually had a couple of revolving account balances DECREASE, one of which were paid off. No new accounts, no public record, no new collections, etc. What could be going on?

Hard to tell from the alert alone, Amleigh. Since the date of your last EQ report was 9/30, before the score drop, we've added a free report to your Score Watch subscription so you can have an updated report to compare with that earlier report. Hopefully, you'll be able to see what caused the score drop. If not, reply back here and we'll see what we can find out.

Re: Barry, I just received an alert that my score went down...

Amleigh — Thu, 08 Oct 2009 18:29:42 GMT

Thank you for the free score power. I pulled the report and my amount of new credit went from "bad" to "not good", which is a plus. The only significant change that I saw that possibly would have lowered my score is that a revolving account that I opened back in 5/2009 went from a $0 balance (I never used it) to a blance of $46 with a limit of $250, which is a utilization of 19%, Could this have caused my score to go down?

Re: Barry, I just received an alert that my score went down...

Barry — Thu, 08 Oct 2009 21:24:17 GMT

Amleigh wrote:

Thank you for the free score power. I pulled the report and my amount of new credit went from "bad" to "not good", which is a plus. The only significant change that I saw that possibly would have lowered my score is that a revolving account that I opened back in 5/2009 went from a $0 balance (I never used it) to a blance of $46 with a limit of $250, which is a utilization of 19%, Could this have caused my score to go down?

Looks like the new 10/8 report shows two utility collections vs. only one on the 9/30 report. The increase in utilization may have also had something to do with the score change, but I'd say the additional collection is probably the main culprit.

Re: Barry, I just received an alert that my score went down...

Amleigh — Fri, 09 Oct 2009 13:18:10 GMT

You're right; I missed this. This is a duplicate account! I will call Equifax immediately.

Re: Barry, I just received an alert that my score went down...

Anonymous — Fri, 09 Oct 2009 16:23:31 GMT

Hi Barry,

Do accounts as an AU suppose to be reported. If so, It's been on my Equifax for 4 or 5 days now and I've had no alert.

Also, I have an inquiry from 10/1. It is on my report as I have Equifax's 3-in-1 monitoring but I still haven't gotten an alert from Scorewatch. It's been a week today.

I don't know if my score has changed as a result...up or down. I would have thought so, but I'm really not that savvy with all this. Can you check it out somehow for me?

Thanks in advance for any assistance

Re: Barry, I just received an alert that my score went down...

Anonymous — Fri, 09 Oct 2009 17:11:12 GMT

I am such a dunce!

I see now that the inquiry alert is in my last SW alert. Okay so can you just address the question about the AU account?

Thanks!

Re: Barry, I just received an alert that my score went down...

Barry — Fri, 09 Oct 2009 17:30:16 GMT

tubesock wrote:

Hi Barry,

Do accounts as an AU suppose to be reported. If so, It's been on my Equifax for 4 or 5 days now and I've had no alert.

Also, I have an inquiry from 10/1. It is on my report as I have Equifax's 3-in-1 monitoring but I still haven't gotten an alert from Scorewatch. It's been a week today.

I don't know if my score has changed as a result...up or down. I would have thought so, but I'm really not that savvy with all this. Can you check it out somehow for me?

Thanks in advance for any assistance

Any account appearing on your report that wasn't there previously should trigger a new account alert. We've added a free report to your Score Watch account so you can pull a new EQ report through SW and see if it shows on the EQ-only report that's sent to myFICO. If it's on there, give it a couple of days, and then let us know if you haven't received an alert.

Re: Barry, I just received an alert that my score went down...

Anonymous — Fri, 09 Oct 2009 17:55:55 GMT

Okay, I'll follow your instructions.

Thank you very much!

Re: Barry, I just received an alert that my score went down...

cc29 — Mon, 12 Oct 2009 14:03:37 GMT

Hi, sorry if I'm posting this in the wrong thread. Would I receive an alert if an account was deleted or an inquiry no longer hurt my score? Also, how often does Scorewatch check one's report? I signed up for the free trial on Sept 28, 2009.

Message Edited by cc29 on 10-12-2009 06:54 AM

Never mind. I read the Scorewatch Guide that was stickied at the top of the page. Thank You!

Message Edited by cc29 on 10-12-2009 07:03 AM

Re: Barry, I just received an alert that my score went down...

Barry — Mon, 12 Oct 2009 20:52:02 GMT

cc29 wrote:
Never mind. I read the Scorewatch Guide that was stickied at the top of the page. Thank You!
Message Edited by cc29 on 10-12-2009 07:03 AM

Re: Barry, I just received an alert that my score went down...

Anonymous — Sun, 18 Oct 2009 15:56:00 GMT

I did not receive any alerts from Sept 18 to Oct 18 despite my score changed 17 points which I discover only after I pulled a new report. This is not right since I set the alert for any balance change of more than 5%, on one of my card the balance went from $480 to $13 which is well more than 5%.