does it count when I pull credit?

[Anonymous]

I've heard that scorewatch blows so I figured I'd just pay the 15 bucks and pull my credit reports periodically.  But does it lower my score when I request credit reports - especially through myfico?

[Anonymous]

No. pulling your own reports does not affect your score.

[GregB]

I am very happy with scorewatch. It has helped me when something my soon-to-be-ex does hits my credit report. going on four years now. Started with 639, now at 746. 

[cadavis0609]

Its my experience that scorewatch doesn't update, at all... You have to buy a report to get a score change, I haven't had an alert in 2 months, without prompting the system. IMO, you're better off just buying the scores when you want them rather than paying for the service. As soon as I'm able, SW is gone.

[Anonymous]

I have SW with EQ and have had alerts on score changes, balance changes, when disputes are made, etc.  I like it other than I can't see my report without paying extra (I already used my freebees).  I have had some stuff deleted on TC (I am in a free trial) and nothing has changed with SW but I'm going to give it more time.  My EQ was my midscore, and we are building a house so I wanted to see my EQ FICO and it seemed the best and cheapest way.  I just wish they would update a little faster.  For day to day maintenance though, I think I prefer TC.