topic Re: Score Watch Not Reporting Newer Scores in myFICO® Product Feedback

Score Watch Not Reporting Newer Scores

LoveGoodCredit — Wed, 05 Sep 2012 03:18:50 GMT

Does anyone know why score watch isnt updating? I was on the phone with tech support the other day, changed my settings. I got an alert stating there was NO SCORE change, but as impatient as I am with all the work I have been doing I clicked on POWER score. When I did that, my score had gone up almost 20 pts. Does anyone know why this happens? Will it always not update? I look forward to the alerts and updates with all the repair work. Please LMK, thank you!

Re: Score Watch Not Reporting Newer Scores

apandabear — Wed, 05 Sep 2012 13:44:15 GMT

Are you keeping your target score set to your current score?

Every time you get a score alert and your score changes, you need to reset your target score to your new score.

While your report is checked regularly for substantive changes (new accounts, balance increases, other alerts listed in SW "Settings"), your actual score is only checked against your target score once/week. So it's very important to keep your target score updated.

Re: Score Watch Not Reporting Newer Scores

Anonymous — Wed, 12 Sep 2012 14:11:52 GMT

But they should alert you to a new account though correct? Mine doesn't even do that. I just changed my target score to how you said so maybe it will work now

Re: Score Watch Not Reporting Newer Scores

creditnocash — Fri, 14 Sep 2012 04:24:44 GMT

im having the same issue.

it has said no changes have been made to my score. (2 seperate emails.)

it gave me alerts for my ae account reporting 19 dollars higher and 4 new inq. but no score change.

it was set at my previous score right when i bought the year subscription and then changed when i got the new updated score.

now its stayed at 689 since the 8/30 report update.

and fyi. my score alert is set to alert when i reach 689. so eithier it hasnt changed or im just doing something wrong.

Re: Score Watch Not Reporting Newer Scores

creditnocash — Fri, 14 Sep 2012 21:51:14 GMT

well as always as soon as i said something.

got a score alert today

jumped from 689 to 708.

reason given was because i am not heavily using my credit.

Re: Score Watch Not Reporting Newer Scores

LoveGoodCredit — Fri, 21 Sep 2012 17:49:42 GMT

I am still questioning mine, I need to call them. I had two collection accounts removed and one negative account late payments updated to reflect no lates. Activity for credit karma was reported (I know that's transunion) and there is activity for experian. Equifax should have gone up I would think, maybe i will get notificaton later. I have confirmations of deletions.

Re: Score Watch Not Reporting Newer Scores

gettnthere — Sun, 23 Sep 2012 01:28:31 GMT

@LoveGoodCredit wrote:
I am still questioning mine, I need to call them. I had two collection accounts removed and one negative account late payments updated to reflect no lates. Activity for credit karma was reported (I know that's transunion) and there is activity for experian. Equifax should have gone up I would think, maybe i will get notificaton later. I have confirmations of deletions.

SW will Not send an alert for any kind of "deletion" lol trust me...i had to learn the hard way. i had a collections acct deleted and was VERY IMPATIENTLY waiting for a SW alert to give me my new score, but it never set it off. i think it was like to weeks later i had a Balance increase that set it off and it updated my score, it jumped 66 pts! You probaly need something to happen to set off and alert, as a deletion on its own will not do. Congrats on your deletion tho!

Re: Score Watch Not Reporting Newer Scores

LoveGoodCredit — Sun, 23 Sep 2012 13:10:58 GMT

That dosent make sense!

Deletions should increase your score and trigger an alert, so I would think?

sigh.

I am going to pay down my CC so that should start triggering them. Scorewatch is good for activity but so is Credit Karma. I was hoping the last two deletions would bump up my score they were recent and being reported incorrectly.

Re: Score Watch Not Reporting Newer Scores

llecs — Sun, 23 Sep 2012 13:33:42 GMT

@LoveGoodCredit wrote:
That dosent make sense!

Deletions should increase your score and trigger an alert, so I would think?

Not always. Many on here, present company included, have lost points by removing a CO because of the lost age. Sometimes the age of the TL helps more than the baddie hurts. Or maybe there was a dispute comment prior to deletion and deleted baddie wouldn't help any because of that comment. Or a combo of both. I never experienced this, but some lost due to rebucketing if it was their last baddie. Always set your target score to match the current score. That was if it increases or decreases, you'll get notified.

ETA...if you have a change on one report, never assume you'd see the same change on the other report. They never update at the same time. Sometimes one report will update but the other won't at all.

Re: Score Watch Not Reporting Newer Scores

Azumi1 — Tue, 02 Oct 2012 12:25:04 GMT

@LoveGoodCredit wrote:
That dosent make sense!

Deletions should increase your score and trigger an alert, so I would think?

sigh.

I am going to pay down my CC so that should start triggering them. Scorewatch is good for activity but so is Credit Karma. I was hoping the last two deletions would bump up my score they were recent and being reported incorrectly.

I've paid two of my accounts down from 44-50% uti to 30% and no change in score or an alert

Re: Score Watch Not Reporting Newer Scores

Anonymous — Sun, 14 Oct 2012 20:03:32 GMT

Mine Finaly updated! I think SW just gets the info late because every thing updated on my CR then it still took like 2 weeks for SW to update my score. You just have to be patient I guess

Re: Score Watch Not Reporting Newer Scores

gettnthere — Sun, 04 Nov 2012 02:57:21 GMT

@Anonymous wrote:
Mine Finaly updated! I think SW just gets the info late because every thing updated on my CR then it still took like 2 weeks for SW to update my score. You just have to be patient I guess

True, lol. SW is a little quirky. I think its a GREAT PRODUCT but sometimes it will pick up on things the same day as changes or the next day and then sometimes it takes up to 2 weeks to get an alert. But its cool with me, I just like getting the alerts to see my good credit behavior lol

Re: Score Watch Not Reporting Newer Scores

JusdoNit — Sat, 17 Nov 2012 16:56:02 GMT

It's been months and it still has not picked up my alerts

Re: Score Watch Not Reporting Newer Scores

HiLine — Sun, 18 Nov 2012 19:39:45 GMT

Changes in balances and inquiries always get reported to me the same day.

Re: Score Watch Not Reporting Newer Scores

LoveGoodCredit — Sun, 09 Dec 2012 19:47:40 GMT

not mine. I always have to wait weeks for updates. Even on the sites that report directly to the beauros.

Re: Score Watch Not Reporting Newer Scores

HiLine — Sun, 09 Dec 2012 23:00:06 GMT

@LoveGoodCredit wrote:
not mine. I always have to wait weeks for updates. Even on the sites that report directly to the beauros.

You should expect a score update every 10 days or so even if there is no change in the score. Are you not getting these updates?

Re: Score Watch Not Reporting Newer Scores

LoveGoodCredit — Sun, 09 Dec 2012 23:49:32 GMT

No, I dont get the updates like I am supposed to. ESPECIALLY for transunion. I get reports from credit karma before I get reports from here or transunion for that matter.

I did an experiment.

I signed up for the tranunion monitoring service for the trial.
Credit karma would update, then I would have to call tranunion to verify the change.

After verifying the change with Tranunion then they would update, sad that credit karma tells me before TU did.

Those changs NEVER update here. Myfico customer service said they are supposed update transunion score changes.

I called myfico customer service and they were not willing to admit there was a problem. I dont want to bash them or anything but they have never solved the problem and I did end up getting into an argument with them. I will eventually cancel because of that.

Re: Score Watch Not Reporting Newer Scores

HiLine — Mon, 10 Dec 2012 00:03:43 GMT

By TransUnion, were you referring to myFICO's Quarterly Monitoring service? It updates your TransUnion report and score only once every quarter.

Re: Score Watch Not Reporting Newer Scores

LoveGoodCredit — Mon, 10 Dec 2012 00:05:50 GMT

They told me that it updates any time there is a change with that as well.

Re: Score Watch Not Reporting Newer Scores

HiLine — Mon, 10 Dec 2012 00:12:31 GMT

@LoveGoodCredit wrote:
They told me that it updates any time there is a change with that as well.

That was my impression too when I purchased this service. However, if you take a look at this site: http://www.myfico.com/Products/Products.aspx , you will notice that this service doesn't come with immediate alerts like Score Watch does.