How long a delay with SW typically?

Duncanrr · ‎10-27-2012

I pulled my USAA reports today and noticed that my updated UTIL on Walmart card finally reported to EQ. How long after a change in CR does it typically take ScoreWatch to update you? I really want to find out what my score is now but waiting for SW to update (its sets for 1 pt increase so I should see an alert)

Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750
Take the FICO Fitness Challenge

Duncanrr · ‎10-27-2012

I want to know my new score but with Walmart updating UTIL on the 4th its not worth paying for new reports.

Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750
Take the FICO Fitness Challenge

HiLine · ‎10-27-2012

In my experience, less than a day.

---> HiLine's personal finance blog - Follow my journey!

User273165 · ‎10-27-2012

A rep from myfico told me this week it could take up to a month. I waited a week after a collection of mine got removed and had no score alert. I said screw it and bought a new report and it was updated with the collection removed.

Scorewatch has seemed to be very hit amd miss lately.

westo12 · ‎10-28-2012

Scorewatch stinks lol. I will not be renewing next month! I will just continue to use my free Walmart TU, CK, Quizzle, Credit Sesame for updates to reports.

Chap7 discharge 07/2015
Fico 5/1/19: TR:650(73% util)
Cap1(Plat+QS) 3500+4500/Merrick 1600/Express 4100/Overstock 4900.

Duncanrr · ‎10-28-2012

For the SW update this morning. Up 20 pts. If Walmart hadn't midcycle reported I would had been golden. Should get those 10 pts back around the 4th when new statement reports.

Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750
Take the FICO Fitness Challenge

westo12 · ‎10-30-2012

@Duncanrr wrote:
For the SW update this morning. Up 20 pts. If Walmart hadn't midcycle reported I would had been golden. Should get those 10 pts back around the 4th when new statement reports.

Was this a new Walmart card or one you've had a while. I had a mid cycle reporting with my first statement, but wasn't sure if I can expect them to do this going forward also.

Chap7 discharge 07/2015
Fico 5/1/19: TR:650(73% util)
Cap1(Plat+QS) 3500+4500/Merrick 1600/Express 4100/Overstock 4900.

Duncanrr · ‎10-30-2012

New card that I opened in sept. I changed the billing date to better stagger card billings.

Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750
Take the FICO Fitness Challenge

Repo-ed · ‎10-30-2012

my sw hits same day like clock work. love the silly thing

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891