topic Re: Score Watch?! in myFICO® Product Feedback

Score Watch?!

Anonymous — Sun, 15 Jul 2007 14:18:59 GMT

After my 30 day free trial I signed up for score watch $8.95/monthly. Since then I have not received a score update. I checked my Experian report via freecreditreport.com and it has improved...how come I havent recevied a score update from myfico? Isnt this what the $8.95 includes? Also when I log in, under "My Purchases" it shows me my latest score and then it says "buy today's score" ....I thought "today's score" is included in the score watch for $8.95....am I wrong?

Re: Score Watch?!

smallfry — Sun, 15 Jul 2007 15:14:53 GMT

Check the middle of the page. If your score changes it will be reflected ultimately on the Score Watch. Be patient. At 9 bucks a month you might be better served just getting a full EQ FICO report every three months. You can get the same Score Watch product over at Equifax for $50 a year.

Re: Score Watch?!

Anonymous — Sun, 15 Jul 2007 15:33:00 GMT

In settings set your current fico score to the target score. Lower the mortgage target range to just above your score now. Make sure all options are set to "on". That might help trigger a new alert. New alerts don't happen as much for people with better scores. I can go a few months with out an alert now. I used to get them every 2 or 3 weeks. :-)

Re: Score Watch?!

Anonymous — Sun, 15 Jul 2007 15:35:02 GMT

@smallfry wrote:
You can get the same Score Watch product over at Equifax for $50 a year.

Where can I get the EQ SW for $50/yr? I want in. I didn't see it for less than about $90. Please send link or instruction. Thanks.

Re: Score Watch?!

Anonymous — Sun, 15 Jul 2007 16:11:47 GMT

I was speaking with an EQ CSR last week disputing some personal info and she offered me SW for $50/yr. I already subscribe to it but canceled it which should take effect next month. I have a feeling that SW has caused C* for me and is the reason I am no longer getting B* on EQ.

If you just order it on their site it is $90/yr. There are also random links on the web where you can get it for $5.95/mo.

Message Edited by db23 on 07-15-2007 12:11 PM

Re: Score Watch?!

Anonymous — Sun, 15 Jul 2007 16:22:59 GMT

whats is your fico score Ilovepizza

Re: Score Watch?!

smallfry — Sun, 15 Jul 2007 16:27:45 GMT

Equifax Score Watch doesn't cause any problems but the Credit Watch Gold can trigger split files and C which hampers B. Actually Truecredit is sufficient for monitoring. I find it to be as quick as the individual agencies themselves. Call Equifax and you can haggle them down to $50 yearly for Score Watch.

Re: Score Watch?!

Anonymous — Sun, 15 Jul 2007 16:29:12 GMT

Ilovepizza if I offer you free pizza for life will you switch fico scores with me ?

Re: Score Watch?!

Anonymous — Sun, 15 Jul 2007 16:31:51 GMT

but u cant trust trurecredit score, it is much different than fico score. Most lenders look for fico score. true credit score is misleading.

Re: Score Watch?!

Anonymous — Sun, 15 Jul 2007 16:59:06 GMT

Misleading? Ha that's an understatement! My EX FICO from MyFICO is 701, TC says my score is 617!

Re: Score Watch?!

Anonymous — Sun, 15 Jul 2007 17:03:38 GMT

I would say just have FICO score alert and be patient with alerts. Dont waste your money on other alerts.

Re: Score Watch?!

Anonymous — Sun, 15 Jul 2007 18:56:38 GMT

I have a question!!! I have had scorewatch and TC since 6/23/07. I have only recieved 4 alerts in that time. So I have not really had much experience with the scorewatch and TC systems. My question is; Does scorewatch and TC alert me when a get hard and soft INQ's? And if so, how do they identifiy the difference?

Re: Score Watch?!

MidnightVoice — Sun, 15 Jul 2007 19:00:20 GMT

I don't think that is one of the alert settings.

Re: Score Watch?!

Anonymous — Sun, 15 Jul 2007 19:08:29 GMT

But do they show some how on their reports? Cuase I see only hard INQ's. At least I think they are all hard.

Re: Score Watch?!

MidnightVoice — Sun, 15 Jul 2007 19:15:48 GMT

I think the MyFICO reports show only hard inqs from the last two years, as these are the ones impacting your score. For soft inqs I think you need to go to the CRAs. They give you a two year history of soft and hard.

Re: Score Watch?!

Anonymous — Sun, 15 Jul 2007 19:24:15 GMT

yeah ...I know they show on the purchased reports I have had. That is why I asked. I did know if I had enough time on scorewatch and TC to see them...Thanks for the info Midnight!

Re: Score Watch?!

sl — Sun, 15 Jul 2007 23:26:59 GMT

Does Equifax score watch post faster than myfico.com? I have my settings very tight and have two accounts increase more than $1.00 and have not received a score watch from this and it has been two weeks since I got the statements on the accounts.

Re: Score Watch?!

MidnightVoice — Mon, 16 Jul 2007 17:24:48 GMT

DW and I both got alerts today - balabce of one card went to $144.

Re: Score Watch?!

Anonymous — Mon, 16 Jul 2007 18:39:06 GMT

http://ficoforums.myfico.com/fico/board/message?board.id=ficoscoring&message.id=5457

Re: Score Watch?!

smallfry — Mon, 16 Jul 2007 21:13:50 GMT

@sl wrote:
Does Equifax score watch post faster than myfico.com? I have my settings very tight and have two accounts increase more than $1.00 and have not received a score watch from this and it has been two weeks since I got the statements on the accounts.

Its about one day ahead.