Score Watch Alert from my FICO??

[Izaana]

Well I was going to copy and past my email from score watch but all this HTML crap wont let me and when I let it convert it, it is not very easy to understand and I am afraid no one would be able to tell what changed??  ids there any where I can get some help without this HTML stuff. No offense but I have gone to alot of boards and this one by far is the least user friendly as far as formatting goes.

[Izaana]

let me try this, god this is frustrating 

here is a link to what I get when I open the score watch thingy in my email and what changed. Which leads me to another question? can I open an old closed account with a target card? and would that help my score? 

ummm on 2nd thought that lets anyone and everyone into my fico under my account....duh!!

ARGET NATIONAL BANK  (XXXXX8539)

Show/Hide Details

Account opened: 6/2006 
Description: Closed or Paid Account/Zero Balance
Closed account
Amount in H/C column is credit limit


  Previously reported Newly reported Balance: $0 $0 Past due: $0 $0 Status: Pays account as agreed Pays account as agreed Last activity: 6/1/2009 1/1/2009 Description: Closed account
Charge
Amount in H/C column is credit limit
Closed or Paid Account/Zero Balance
Closed account
Amount in H/C column is credit limit

Since the formatting it changes to really stinks and is hard to read...let me just tell you the change is previously reported shows the last activity as 6/09 and that changes to 01/09??

and the description under previously reported shows   Closed account   Charge   Amount in H/C column is credit limit 

and the update shows closed or paid account/zero balance   closed account  amount is HC column is credit limit

Message Edited by Izaana on 07-25-2009 03:58 PM

Message Edited by Izaana on 07-25-2009 03:59 PM

[BungalowMo]

I'm going to try something....

ARGET NATIONAL BANK  (XXXXX8539)

Account opened: 6/2006 
Description: Closed or Paid Account/Zero Balance
Closed account
Amount in H/C column is credit limit

Previously reported:     1/1/2009

Newly reported:  6/1/2009

Balance: $0

Past due: $0 

Status: Pays account as agreed 

Last activity:  

Description: Closed account    Charge   Amount in H/C column is credit limit

The Blue up there is the new info, right?  And this update was what your alert was for?

Check to see that I put this stuff in the right place

Since the formatting it changes to really stinks and is hard to read...let me just tell you the change is previously reported shows the last activity as 6/09 and that changes to 01/09??

and the description under previously reported shows   Closed account   Charge   Amount in H/C column is credit limit 

and the update shows closed or paid account/zero balance   closed account  amount is HC column is credit limit

---

 Got it????

Message Edited by BungalowMo on 07-25-2009 08:21 PM

[Izaana]

Switch around the previously and new reported and you have it

[BungalowMo]

Switched...so the alert was this?  What did it actually alert you for?  The reporting dates?

[Izaana]

It switched the dates reporting from previously reporting as last activity from 6/09 to 1/09 and it changed from closed account charge to closed account or paid zero balance

[BungalowMo]

Interesting.....did your score go up??

[Izaana]

No stayed at 551 TU Fico....which isnt correct anyway. Huntington Bank has me at 542

[BungalowMo]

Ok,gotcha.  I keep forgetting you can get TU alerts too.  Quarterly monitoring & all.  Your bank might be using the cc enhanced scoring system  Both are FICO's...there is another scoring system for personal or car loans, I believe just an updated scoring system.  They are all close, so no big deal.

Hey...check your pm's.  You need to "fix" something I'd noticed.  Just lookin out for ya!