topic Re: SW Alert? in myFICO® Product Feedback

SW Alert?

GoodCredBen — Fri, 16 Dec 2011 17:11:54 GMT

I had a dispute come back from Equifax reporting that i have 2 accounts updated to closed, PIF and one account deleted....

I have yet to receive a SW alert though? They were completed yesterday.

Re: SW Alert?

GoodCredBen — Fri, 16 Dec 2011 18:10:25 GMT

Just got a 25 pt bump from a dispute coming back exactly the same?

Still havent gotten an alert for the deleted item being removed.

Re: SW Alert?

llecs — Fri, 16 Dec 2011 18:13:33 GMT

For clarity, how many accounts changed?

SW (and all other CMSs out there) don't alert to dropped accounts, only added.

Is it possible that part or most or all of those 25 points were due to the dropped baddie?

Re: SW Alert?

Barry — Fri, 16 Dec 2011 18:16:27 GMT

Congrats on the score bump, BadCredBen! In addition to informing you of your score increase, your SW alert from yesterday should have also shown updates to the disputed accounts. As for the deleted item, SW doesn't alert you to info that's been removed from your credit report. To learn what SW does and doesn't alert you to, you may want to check out our Score Watch Guide.

-Barry

Re: SW Alert?

GoodCredBen — Fri, 16 Dec 2011 18:20:10 GMT

So in order to view if an acct has been deleted, i have to get another SW?

Two accounts changed - My score was 531 before the dispute as well.

Re: SW Alert?

Barry — Fri, 16 Dec 2011 18:28:55 GMT

@BadCredBen wrote:

So in order to view if an acct has been deleted, i have to get another SW?

Two accounts changed - My score was 531 before the dispute as well.

If you mean another EQ "Score Power" report, yes, either that or an EQ report from AnnualCreditReport.com, EQ or elsewhere. Also keep in mind that it is entirely possible to lose a baddie and not see your score increase. Not saying that happend in this case, tho.

-Barry

Re: SW Alert?

GoodCredBen — Fri, 16 Dec 2011 18:33:56 GMT

ive boughten alot of them already lol x.x

Re: SW Alert?

Barry — Fri, 16 Dec 2011 18:44:58 GMT

@BadCredBen wrote:

ive boughten alot of them already lol x.x

Yes, you have. And we appreciate your business!

Re: SW Alert?

GoodCredBen — Fri, 16 Dec 2011 19:24:31 GMT

Any way to tell when i get my next one? I would more then likely wait... Do i even get another one for free? lol

Re: SW Alert?

Barry — Fri, 16 Dec 2011 22:05:18 GMT

@BadCredBen wrote:

Any way to tell when i get my next one? I would more then likely wait... Do i even get another one for free? lol

You get two reports per year with SW. To see if you have any reports available, go to your My Account page, click on Score Watch and see what it says. For more info on what SW provides, go to http://www.myfico.com/Products/ScoreWatch/Description.aspx.

-Barry