Equifax Credit Score Watch

[Aarvard]

I purchased Score Watch for $14.95/month this morning in Equifax website. They claimed it to be a FICO score, but when I asked the CSR, he could not tell me the model that they used. Does anyone know whether they give EQ 04 or EQ 08?

And do I really get to monitor my score daily for this product? Because they say that I can get "a full FICO® score and Equifax Credit Report™ twice per year" then "track [my] FICO® score over time"

Totally confusing.

[Anonymous]

yes its a fico 04 and you get you get two updates it wll send you emails when your accounts on your report change if your score changes it will let you know

[Aarvard]

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@Anonymous wrote:

yes its a fico 04 and you get you get two updates it wll send you emails when your accounts on your report change if your score changes it will let you know

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So it lets me know the score has changed but does not tell me it's changed by how many points? 

[Revelate]

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@Aarvard wrote:

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@Anonymous wrote:

yes its a fico 04 and you get you get two updates it wll send you emails when your accounts on your report change if your score changes it will let you know

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So it lets me know the score has changed but does not tell me it's changed by how many points? 

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Works the same way as myFICO's did when it was a seperate product, or the same as the current 3B monitoring does except with a Beacon 5.0 score as I understand it; I've never used it personally though.  The updates come with new scores, the twice annual I think is the reports itself.

[Aarvard]

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@Revelate wrote:

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@Aarvard wrote:

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@Anonymous wrote:

yes its a fico 04 and you get you get two updates it wll send you emails when your accounts on your report change if your score changes it will let you know

---

So it lets me know the score has changed but does not tell me it's changed by how many points? 

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Works the same way as myFICO's did when it was a seperate product, or the same as the current 3B monitoring does except with a Beacon 5.0 score as I understand it; I've never used it personally though.  The updates come with new scores, the twice annual I think is the reports itself.

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I wish I could get the 3B monitoring but my SSN is not old enough. Just hate this 24 month old SSN rule of myFICO 

[Anonymous]

One way I monitor Equifax score watch to tell when its FICO 04 changes and by how much is to set up an alert under My Account.  In that section there is a preference where you indicate the target score for alerts. For example, if my current score is 680 I place 681 in the target score field. Then when my score changes I receive an alert stating I reached the target and my new score is 685. If I am anticipating a decrease, I place a lower score in the field and it works the opposite way. You can change the target score at anytime.

[Aarvard]

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@Anonymous wrote:

One way I monitor Equifax score watch to tell when its FICO 04 changes and by how much is to set up an alert under My Account.  In that section there is a preference where you indicate the target score for alerts. For example, if my current score is 680 I place 681 in the target score field. Then when my score changes I receive an alert stating I reached the target and my new score is 685. If I am anticipating a decrease, I place a lower score in the field and it works the opposite way. You can change the target score at anytime.

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So you don't know the exact change if you don't set it that way?

[Anonymous]

OK so when there is a change you will get a email telling you of the change then you log in and look at alert and see what happened IE a score change or balance change or what ever it is. 

[Anonymous]

set the alerts up anyway you want and you will be alerted of any change that happens big or small

[Aarvard]

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@Anonymous wrote:

set the alerts up anyway you want and you we alerted of any change that happens big or small

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Thanks!