I copied this info from the SW Guide:
It’s best to think of the Score Watch monitoring alert system as having two types of alerts:
1. Score Alerts
2. Credit Alerts
Score Alerts – these alerts notify the subscriber of Equifax FICO score changes in a couple of ways. (See table below.)
If a Credit Alert is triggered, the latest score is always shown on that alert.
When no Credit Alerts are triggered, the scores are monitored every 7-10 days for changes.
Credit Alerts – these alerts notify the subscriber about Equifax credit report changes. (See table below.)
Equifax reports are checked daily for Credit Alert changes to the credit report.
A Credit Alert should be received by the subscriber within 2-3 days following a change to the Equifax credit report.
All Credit Alerts include the subscriber’s latest Equifax FICO score.
All Credit Alerts stay turned on automatically and cannot be turned off.
The subscriber can control the frequency of Balance Increase and Account Dormancy alerts by the thresholds that are set. For example, the lower the threshold setting, the more likely that an alert will be triggered.
Reasons why you may not receive a Score Watch alert
Changes that don’t trigger Score Alerts or Credit Alerts:
A balance decrease won’t trigger a Credit Alert.
The removal of an item from the credit report will not trigger a Credit Alert.
During the 7-10 days between Score Alert checks (when there are no Credit Alerts), the score can change multiple times between these Score Alert checks and the monitoring system won’t be aware of them – resulting in some score changes occurring without Score Alerts being generated.
Changes that that are not specifically listed in the table below will not trigger an alert.
Reasons why your Score Alert or Credit Alert may arrive late or not at all:
There is often a delay of 30-60 days in the reporting of updated trade line, collection, and public record information from the source of the information to Equifax.
Alerts often get caught in spam filters, so check there first if you believe you should have already received an alert.
It’s best to think of the Score Watch monitoring alert system as having two types of alerts:
1. Score Alerts
2. Credit Alerts
Score Alerts – these alerts notify the subscriber of Equifax FICO score changes in a couple of ways. (See table below.)
If a Credit Alert is triggered, the latest score is always shown on that alert.
When no Credit Alerts are triggered, the scores are monitored every 7-10 days for changes.
Credit Alerts – these alerts notify the subscriber about Equifax credit report changes. (See table below.)
Equifax reports are checked daily for Credit Alert changes to the credit report.
A Credit Alert should be received by the subscriber within 2-3 days following a change to the Equifax credit report.
All Credit Alerts include the subscriber’s latest Equifax FICO score.
All Credit Alerts stay turned on automatically and cannot be turned off.
The subscriber can control the frequency of Balance Increase and Account Dormancy alerts by the thresholds that are set. For example, the lower the threshold setting, the more likely that an alert will be triggered.
Reasons why you may not receive a Score Watch alert
Changes that don’t trigger Score Alerts or Credit Alerts:
A balance decrease won’t trigger a Credit Alert.
The removal of an item from the credit report will not trigger a Credit Alert.
During the 7-10 days between Score Alert checks (when there are no Credit Alerts), the score can change multiple times between these Score Alert checks and the monitoring system won’t be aware of them – resulting in some score changes occurring without Score Alerts being generated.
Changes that that are not specifically listed in the table below will not trigger an alert.
Reasons why your Score Alert or Credit Alert may arrive late or not at all:
There is often a delay of 30-60 days in the reporting of updated trade line, collection, and public record information from the source of the information to Equifax.
Alerts often get caught in spam filters, so check there first if you believe you should have already received an alert.
