topic Re: Why No Inquiry Alert? in myFICO® Product Feedback

Why No Inquiry Alert?

Booner72 — Thu, 18 Aug 2011 20:38:31 GMT

Hi All - Am getting ready to go close on my first house. YAY.

But the ? is - why no alert for the inquiry they do right before???????

Re: Why No Inquiry Alert?

llecs — Thu, 18 Aug 2011 20:43:13 GMT

Are you sure they pulled again? My lender didn't. Some do.

Re: Why No Inquiry Alert?

Booner72 — Fri, 19 Aug 2011 00:05:57 GMT

I just got told my LO that they did a "refresh" - so there wouldn't be an alert for that. Sorry!

Re: Why No Inquiry Alert?

Anonymous — Fri, 19 Aug 2011 15:02:01 GMT

If it's for a mortgage they wait 30 days before including them so they can count all the mortgage related inquiries as 1 for scoring purposes.

Re: Why No Inquiry Alert?

Barry — Fri, 19 Aug 2011 17:10:52 GMT

@Anonymous wrote:

If it's for a mortgage they wait 30 days before including them so they can count all the mortgage related inquiries as 1 for scoring purposes.

Hi kelli1970,

Just to clarify, while you're correct that the score doesn't count a mortgage inquiry for the first 30 days, and then treats multiple mortgage inquiries as one, the inquiries appear on the credit report immediately after being pulled.

-Barry

Re: Why No Inquiry Alert?

Booner72 — Tue, 23 Aug 2011 17:25:36 GMT

I had my CU run our reports to get a loan - They used EQ. NO SCOREWATCH ALERT TO THE INQUIRY. Over 24 hours.

Re: Why No Inquiry Alert?

Anonymous — Wed, 24 Aug 2011 14:14:30 GMT

Booner, I never got an alert to the inquiry for my Capital One card. I used a score watch report to see it.

Re: Why No Inquiry Alert?

Booner72 — Wed, 24 Aug 2011 18:11:02 GMT

STILL NO ALERT FOR BANK INQUIRY ON EQUIFAX.

Re: Why No Inquiry Alert?

Booner72 — Wed, 24 Aug 2011 20:41:14 GMT

@Anonymous wrote:
Booner, I never got an alert to the inquiry for my Capital One card. I used a score watch report to see it.

Toolie- It shouldn't happen that way. I shouldn't have to use a SW report to see an inquiry alert. This is not good. TWO DAYS NOW!

Re: Why No Inquiry Alert?

Booner72 — Thu, 25 Aug 2011 14:47:57 GMT

STILL no alert or SW email in weeks now. I think I am going to have to call the hotline or something. GGGRRRRR

Re: Why No Inquiry Alert?

Anonymous — Thu, 25 Aug 2011 14:51:16 GMT

@Booner72 wrote:
STILL no alert or SW email in weeks now. I think I am going to have to call the hotline or something. GGGRRRRR

^^ THIS....

I'm with you....I haven't been given any SW alerts since the 11th and items have been added to my report and accounts since then and nothing....and also another inquiry through my lender as well....

Re: Why No Inquiry Alert?

Booner72 — Thu, 25 Aug 2011 15:15:44 GMT

Should we go on strike or something, Braves? I'm so furious. Last time I called they did give me a free report but she said "As a one time courtesy" so I'm assuming if I called again they'd tell me NO.

Re: Why No Inquiry Alert?

Anonymous — Thu, 25 Aug 2011 15:17:28 GMT

@Booner72 wrote:
Should we go on strike or something, Braves? I'm so furious. Last time I called they did give me a free report but she said "As a one time courtesy" so I'm assuming if I called again they'd tell me NO.

I don't know, but I am confused as to why I am paying for a service I am not receiving ---- as I am sure you are as well....

Re: Why No Inquiry Alert?

Booner72 — Mon, 29 Aug 2011 23:47:44 GMT

I got four emails today. One said no changes to my score. Then got one for a new account (walmart) then got two separate emails saying new account (Lowe's). Mind you, these accounts were opened a week ago.

So Weird.

I also didn't get an email from the MyFico folks telling me what was wrong, even though she told me I would hear back within 48 hours.

SW used to work, I could set it like a clock that I'd get the email of no change, or the SW change every Saturday.

I hope it gets fixed fast.

Re: Why No Inquiry Alert?

Booner72 — Tue, 30 Aug 2011 01:02:57 GMT

Just checked emails. TWO MORE SW ALERTS! Same thing - new accounts. WTcussword? I'm hoping this is a sign they are fixing things. I want my old SW back.

Re: Why No Inquiry Alert?

Booner72 — Sat, 17 Sep 2011 16:38:44 GMT

Just want to say KUDOS to myfico for fixing the problem. I'm back on track to my Saturday morning SW alerts. Very happy w/ this. Thanks!