MyFico not seeing my paid off accounts

[TryN2Rebuild]

I also use equifax to monitor my credit and get alerts that they are showing accounts paid to $0 but I dont see where myfico is getting that info. Can anyone help? Also my score has not gone up and I paid off 4 different accounts.

Thanks

[LIGHTNIN]

What type of accounts were paid off? How long ago did you pay off these accounts?

[Jazzzy]

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@ewingerter wrote:

I also use equifax to monitor my credit and get alerts that they are showing accounts paid to $0 but I dont see where myfico is getting that info. Can anyone help? Also my score has not gone up and I paid off 4 different accounts.

Thanks

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Hi...remember that Score Watch doesn't alert for balance decreases.  Score Watch does monitor your score about once a week, so I would think you would be getting an alert with a score increase if you have drastically paid down your credit cards. (Are these credit cards?)

Another question: Do you have your "Target score" set to your previous FICO score? When you do get an alert, go into "settings" and change your target score to your new FICO. That is how you will get the most alerts. I change my target score right as I am looking at the alert so that I don't forget to do it.

Message Edited by LynetteM on 02-16-2010 10:20 AM

[TryN2Rebuild]

I paid off my Hooters Mastercard, Target, Cap 1, Credit One. I paid them off right before the statement cut which was about 2 weeks ago. Hoping to get a nice bump.

Thanks

[laz98]

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@ewingerter wrote:

I paid off my Hooters Mastercard, Target, Cap 1, Credit One. I paid them off right before the statement cut which was about 2 weeks ago. Hoping to get a nice bump.

Thanks

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and you bought new scores that had not changed?

[TryN2Rebuild]

I have not bought a new score and report but I got an alert the other day about a different account and it had the same score as I had prior to the alert.

[laz98]

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@ewingerter wrote:
I have not bought a new score and report but I got an alert the other day about a different account and it had the same score as I had prior to the alert.

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you have to buy new scores. the alert just tells you there was a change; it doesn't update your scores for you.

[haulingthescoreup]

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laz98 wrote:

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@ewingerter wrote:

I have not bought a new score and report but I got an alert the other day about a different account and it had the same score as I had prior to the alert.

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you have to buy new scores. the alert just tells you there was a change; it doesn't update your scores for you.

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Not necessarily. I think that there are some alerts that don't come with the new score, but most do. For instance, here's my latest:

Score Watch alert
February 9, 2010
View details of other recent alerts:


Alert: Your FICO® score has exceeded your target score of 759


Score Watch alert/Changes to your FICO® Score
Your FICO® score has gone up to 760 on February 9, 2010.
Target score alert: Your FICO® score has exceeded your target score of 759.

Of course, the reason didn't make sense, but the score was given. If I wanted the new score to display on my Products page, or if I wanted to figure out what might have triggered the change, I could then pull (= pay for) a new report. But my Score Watch graph has lots of little dots on it representing score changes that came with alerts, when I didn't pull a report.

If the trigger that caused the Score Watch alert was not one that results in a score change, I'd say that that's when you won't get sent a score.

[Jazzzy]

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@laz98 wrote:

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@ewingerter wrote:
I have not bought a new score and report but I got an alert the other day about a different account and it had the same score as I had prior to the alert.

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you have to buy new scores. the alert just tells you there was a change; it doesn't update your scores for you.

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Hi laz98,

I have never bought my scores other than what I get through Score Watch. I get alerts quite often. Most of them bump my score up or down a bit, but I'm given the new score in the alert. Once in a while, the score doesn't change, but I still get an alert for an alertable reason.

To the OP...you are aware, aren't you, that the score on your "home page" isn't going to change unless you pull a new report??? This is a change that myFICO made (why, I don't think anyone has figured out). You have to scroll down and then click "Go" to see your alerts. So, you have to click through a bit to see your latest score if you got that score with an alert.

[laz98]

wow, i just goofed on tons of posts yesterday!  no more posting on A-D-D days, i guess

did they change scorewatch?  or has it always been this way?  i thought it was the same as buying our FICOs; if we wanted to see changes, we had to buy new scores.