topic Re: Scorewatch update in myFICO® Product Feedback

Scorewatch update

hoping2rebuild — Tue, 20 Dec 2011 14:08:27 GMT

As I understand it scorewatch won't update because of a collection being removed

but if we get points from that deletion should we get an update? I had a 6 mo collection

removed from my CR yesterday, Equifax verified it was gone assuming that I get points

for that being gone when should scorewatch update?

Re: Scorewatch update

Anonymous — Tue, 20 Dec 2011 14:53:09 GMT

Do you have your SW score alert set at your exact current FICO Score?

If not I would set it at exactly what your EQ FICO score is now, not 5 points higher, set it at exactly what your current EQ FICO is, and you will be alerted of ANY changes to your score, it may take a day or two to get an alert of a score change, then again it could send you an alert right away. YMMV with SW

Re: Scorewatch update

hoping2rebuild — Tue, 20 Dec 2011 15:09:42 GMT

Thanks Mustang

Yeppers I always keep it set to my exact score

Re: Scorewatch update

Anonymous — Tue, 20 Dec 2011 15:27:18 GMT

@hoping2rebuild wrote:
Thanks Mustang

Yeppers I always keep it set to my exact score

You're welcome, I hope you get a big score increase, please do keep this thread updated.

Hoping for a nice score increase for you

Re: Scorewatch update

llecs — Tue, 20 Dec 2011 17:18:14 GMT

Because there's no credit alert to trigger a score change, you'll now fall back on a score alert. With a score alert, your score is monitored every week or so for changes based off the target score. You'll get the alert provided you don't pull a new FICO report. I bet it'll be any day.

Re: Scorewatch update

hoping2rebuild — Tue, 20 Dec 2011 21:11:56 GMT

@llecs wrote:
Because there's no credit alert to trigger a score change, you'll now fall back on a score alert. With a score alert, your score is monitored every week or so for changes based off the target score. You'll get the alert provided you don't pull a new FICO report. I bet it'll be any day.

I just got a credit alert on the 17th so it might be a few days for the score alert.

The hard part is not buying another CR and Score to see what else may have changed.

Re: Scorewatch update

Anonymous — Tue, 20 Dec 2011 22:59:28 GMT

@hoping2rebuild wrote:
@llecs wrote:
Because there's no credit alert to trigger a score change, you'll now fall back on a score alert. With a score alert, your score is monitored every week or so for changes based off the target score. You'll get the alert provided you don't pull a new FICO report. I bet it'll be any day.
I just got a credit alert on the 17th so it might be a few days for the score alert.

The hard part is not buying another CR and Score to see what else may have changed.

I hear that, I have no willpower at times when waiting for something to update, I've been known to be a bit excessive when it comes to pulling my reports, I'm sure MyFico loves me (from a business standpoint) I have spent a lot of money on reports since I joined this Forum 2/11. And I'm also a SW subscriber since 4/11.

But IMO, money well spent.

I'm looking forward to hearing the results from you

Re: Scorewatch update

hoping2rebuild — Tue, 20 Dec 2011 23:29:03 GMT

@Anonymous wrote:
@hoping2rebuild wrote:
@llecs wrote:
Because there's no credit alert to trigger a score change, you'll now fall back on a score alert. With a score alert, your score is monitored every week or so for changes based off the target score. You'll get the alert provided you don't pull a new FICO report. I bet it'll be any day.
I just got a credit alert on the 17th so it might be a few days for the score alert.

The hard part is not buying another CR and Score to see what else may have changed.
I hear that, I have no willpower at times when waiting for something to update, I've been known to be a bit excessive when it comes to pulling my reports, I'm sure MyFico loves me (from a business standpoint) I have spent a lot of money on reports since I joined this Forum 2/11. And I'm also a SW subscriber since 4/11.

But IMO, money well spent.

I'm looking forward to hearing the results from you

I went ahead and bought another scorewatch report and........NO CHANGE in the score

I would have figured with a 6 mo old collection coming off I would have gotten something.

Re: Scorewatch update

Anonymous — Wed, 21 Dec 2011 00:30:08 GMT

@hoping2rebuild wrote:
@Anonymous wrote:
@hoping2rebuild wrote:
@llecs wrote:
Because there's no credit alert to trigger a score change, you'll now fall back on a score alert. With a score alert, your score is monitored every week or so for changes based off the target score. You'll get the alert provided you don't pull a new FICO report. I bet it'll be any day.
I just got a credit alert on the 17th so it might be a few days for the score alert.

The hard part is not buying another CR and Score to see what else may have changed.
I hear that, I have no willpower at times when waiting for something to update, I've been known to be a bit excessive when it comes to pulling my reports, I'm sure MyFico loves me (from a business standpoint) I have spent a lot of money on reports since I joined this Forum 2/11. And I'm also a SW subscriber since 4/11.

But IMO, money well spent.

I'm looking forward to hearing the results from you
I went ahead and bought another scorewatch report and........NO CHANGE in the score

I would have figured with a 6 mo old collection coming off I would have gotten something.

I would have figured such a new CA coming off would net you a nice score increase. Maybe a delay in FICO's scoring?

Hold hope, maybe in a few days you'll get an alert and see an increase.

A bit of a different experience I had with SW, I had two inq's fall off Sep 16th, I pulled my report the 17th (again did not wait for SW to alert me, I'm obsessed I know) both inq's were gone but no score increase, but about three days later I got an alert from SW, I logged in and my EQ went from 794 to 802, no other changes to my report, I have to assume the gain was from the inq's falling off and FICO took a few days to process my new score????

Re: Scorewatch update

hoping2rebuild — Wed, 21 Dec 2011 02:22:33 GMT

@Anonymous wrote:
@hoping2rebuild wrote:
@Anonymous wrote:
@hoping2rebuild wrote:
@llecs wrote:
Because there's no credit alert to trigger a score change, you'll now fall back on a score alert. With a score alert, your score is monitored every week or so for changes based off the target score. You'll get the alert provided you don't pull a new FICO report. I bet it'll be any day.
I just got a credit alert on the 17th so it might be a few days for the score alert.

The hard part is not buying another CR and Score to see what else may have changed.
I hear that, I have no willpower at times when waiting for something to update, I've been known to be a bit excessive when it comes to pulling my reports, I'm sure MyFico loves me (from a business standpoint) I have spent a lot of money on reports since I joined this Forum 2/11. And I'm also a SW subscriber since 4/11.

But IMO, money well spent.

I'm looking forward to hearing the results from you
I went ahead and bought another scorewatch report and........NO CHANGE in the score

I would have figured with a 6 mo old collection coming off I would have gotten something.

I would have figured such a new CA coming off would net you a nice score increase. Maybe a delay in FICO's scoring?

Hold hope, maybe in a few days you'll get an alert and see an increase.

A bit of a different experience I had with SW, I had two inq's fall off Sep 16th, I pulled my report the 17th (again did not wait for SW to alert me, I'm obsessed I know) both inq's were gone but no score increase, but about three days later I got an alert from SW, I logged in and my EQ went from 794 to 802, no other changes to my report, I have to assume the gain was from the inq's falling off and FICO took a few days to process my new score????

I hope it is just running behind

but if not I am just happy this is GONE!!!!

Re: Scorewatch update

Anonymous — Wed, 21 Dec 2011 12:46:19 GMT

@hoping2rebuild wrote:
@Anonymous wrote:
@hoping2rebuild wrote:
@Anonymous wrote:
@hoping2rebuild wrote:
@llecs wrote:
Because there's no credit alert to trigger a score change, you'll now fall back on a score alert. With a score alert, your score is monitored every week or so for changes based off the target score. You'll get the alert provided you don't pull a new FICO report. I bet it'll be any day.
I just got a credit alert on the 17th so it might be a few days for the score alert.

The hard part is not buying another CR and Score to see what else may have changed.
I hear that, I have no willpower at times when waiting for something to update, I've been known to be a bit excessive when it comes to pulling my reports, I'm sure MyFico loves me (from a business standpoint) I have spent a lot of money on reports since I joined this Forum 2/11. And I'm also a SW subscriber since 4/11.

But IMO, money well spent.

I'm looking forward to hearing the results from you
I went ahead and bought another scorewatch report and........NO CHANGE in the score

I would have figured with a 6 mo old collection coming off I would have gotten something.

I would have figured such a new CA coming off would net you a nice score increase. Maybe a delay in FICO's scoring?

Hold hope, maybe in a few days you'll get an alert and see an increase.

A bit of a different experience I had with SW, I had two inq's fall off Sep 16th, I pulled my report the 17th (again did not wait for SW to alert me, I'm obsessed I know) both inq's were gone but no score increase, but about three days later I got an alert from SW, I logged in and my EQ went from 794 to 802, no other changes to my report, I have to assume the gain was from the inq's falling off and FICO took a few days to process my new score????
I hope it is just running behind

but if not I am just happy this is GONE!!!!

100% Agreed,

Do you have many other derogs?

Re: Scorewatch update

hoping2rebuild — Wed, 21 Dec 2011 16:41:19 GMT

I have a couple but I had a collecton a couple years older then this deleted less then a month ago

and got 10 points for it. Who knows maybe EQ is just wanting to see me squirm LOL

I think it's Barry he's hiding all the score increases just to sell more scorepower reports LOL

Re: Scorewatch update

Anonymous — Wed, 21 Dec 2011 17:02:21 GMT

@hoping2rebuild wrote:
I have a couple but I had a collecton a couple years older then this deleted less then a month ago

and got 10 points for it. Who knows maybe EQ is just wanting to see me squirm LOL

I think it's Barry he's hiding all the score increases just to sell more scorepower reports LOL

Yes that's it!!!! Barry give us our points!!!!

If it's Barry's fault then how about that 1 point I need on TU to get me to 800, come on Barry cough it up

Re: Scorewatch update

hoping2rebuild — Wed, 21 Dec 2011 20:18:26 GMT

@Anonymous wrote:
@hoping2rebuild wrote:
I have a couple but I had a collecton a couple years older then this deleted less then a month ago

and got 10 points for it. Who knows maybe EQ is just wanting to see me squirm LOL

I think it's Barry he's hiding all the score increases just to sell more scorepower reports LOL

Yes that's it!!!! Barry give us our points!!!!

If it's Barry's fault then how about that 1 point I need on TU to get me to 800, come on Barry cough it up

I would say we could steal what need in points from his scores but steal is such a nasty word

so let's "forcefully Borrow" his points

Re: Scorewatch update

whodatnation2 — Thu, 22 Dec 2011 07:18:36 GMT

How often does the score watch update the fico score? Is it when there is a change, at a certain time...like once a week, or both?

Re: Scorewatch update

Anonymous — Thu, 22 Dec 2011 13:37:53 GMT

@whodatnation2 wrote:
How often does the score watch update the fico score? Is it when there is a change, at a certain time...like once a week, or both?

I get an alert every week Mon or Tuesday usually stating.............

**For the past week myFICO Score Watch has been monitoring your FICO score and credit report for important changes.

No important changes were found that caused an alert, Score Watch will continue monitoring and send an alert if an important change is detected**

Or if a change has occurred, I'll get an alert that says.......

**Score Watch has detected a change to your credit report or FICO score today.

Please log into Score Watch to find out more**

Re: Scorewatch update

Anonymous — Thu, 22 Dec 2011 13:40:20 GMT

@hoping2rebuild wrote:
@Anonymous wrote:
@hoping2rebuild wrote:
I have a couple but I had a collecton a couple years older then this deleted less then a month ago

and got 10 points for it. Who knows maybe EQ is just wanting to see me squirm LOL

I think it's Barry he's hiding all the score increases just to sell more scorepower reports LOL

Yes that's it!!!! Barry give us our points!!!!

If it's Barry's fault then how about that 1 point I need on TU to get me to 800, come on Barry cough it up
I would say we could steal what need in points from his scores but steal is such a nasty word

so let's "forcefully Borrow" his points

Ever wondered how Barry's FICO's look?

I'm sure he could spare a few

Re: Scorewatch update

hoping2rebuild — Thu, 22 Dec 2011 15:08:28 GMT

@Anonymous wrote:
@hoping2rebuild wrote:
@Anonymous wrote:
@hoping2rebuild wrote:
I have a couple but I had a collecton a couple years older then this deleted less then a month ago

and got 10 points for it. Who knows maybe EQ is just wanting to see me squirm LOL

I think it's Barry he's hiding all the score increases just to sell more scorepower reports LOL

Yes that's it!!!! Barry give us our points!!!!

If it's Barry's fault then how about that 1 point I need on TU to get me to 800, come on Barry cough it up
I would say we could steal what need in points from his scores but steal is such a nasty word

so let's "forcefully Borrow" his points
Ever wondered how Barry's FICO's look?

I'm sure he could spare a few

I bet he could too

so I don't know why he's hogging ours

Re: Scorewatch update

Barry — Thu, 22 Dec 2011 23:31:21 GMT

@hoping2rebuild wrote:

@Anonymous wrote:

@hoping2rebuild wrote:

@Anonymous wrote:

@hoping2rebuild wrote:

I have a couple but I had a collecton a couple years older then this deleted less then a month ago

and got 10 points for it. Who knows maybe EQ is just wanting to see me squirm LOL

I think it's Barry he's hiding all the score increases just to sell more scorepower reports LOL

Yes that's it!!!! Barry give us our points!!!!

If it's Barry's fault then how about that 1 point I need on TU to get me to 800, come on Barry cough it up

I would say we could steal what need in points from his scores but steal is such a nasty word

so let's "forcefully Borrow" his points

Ever wondered how Barry's FICO's look?

I'm sure he could spare a few

I bet he could too

so I don't know why he's hogging ours

Hi hoping2rebuild and Mustanglvr2006!

How much are a few more points worth to you? I might be persuaded to part with a few at the right price, so let the bidding begin!

-Barry

Re: Scorewatch update

hoping2rebuild — Thu, 22 Dec 2011 23:48:45 GMT

@Barry wrote:
@hoping2rebuild wrote:
@Anonymous wrote:
@hoping2rebuild wrote:
@Anonymous wrote:
@hoping2rebuild wrote:
I have a couple but I had a collecton a couple years older then this deleted less then a month ago

and got 10 points for it. Who knows maybe EQ is just wanting to see me squirm LOL

I think it's Barry he's hiding all the score increases just to sell more scorepower reports LOL

Yes that's it!!!! Barry give us our points!!!!

If it's Barry's fault then how about that 1 point I need on TU to get me to 800, come on Barry cough it up
I would say we could steal what need in points from his scores but steal is such a nasty word

so let's "forcefully Borrow" his points
Ever wondered how Barry's FICO's look?

I'm sure he could spare a few
I bet he could too

so I don't know why he's hogging ours
Hi hoping2rebuild and Mustanglvr2006!

How much are a few more points worth to you? I might be persuaded to part with a few at the right price, so let the bidding begin!

-Barry

Pfffffft.........that's easy you can have everything I own except for my dog