Score Watch Credit Report and Score issue

[Lechte]

I subscribed to SW on 12/30/13 (monthly subscription).   It tells me that my CR is viewable til 02/10/2015.  

1.  When will my 2nd CR be available to pull? 

2.  Why am I not being offered a 30% discount on my EQ CR?   I am subscribed to TU Quarterly, and underneath my score, it shows me how old my last report was and that I can pull a TU report at 20% discount.

3.  I haven't seen this addressed or maybe I have and forgot about it.....multiple people have said their EQ Score was different from their SW Score when they bought a report.   What's the deal there?

4.  Mods, please move this thread to the product section when sufficient answers have been given.      ...............................lol.

[Lechte]

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@Lechte wrote:

I subscribed to SW on 12/30/13 (monthly subscription).   It tells me that my CR is viewable til 02/10/2015.  

1.  When will my 2nd CR be available to pull? 

2.  Why am I not being offered a 30% discount on my EQ CR?   I am subscribed to TU Quarterly, and underneath my score, it shows me how old my last report was and that I can pull a TU report at 20% discount.

3.  I haven't seen this addressed or maybe I have and forgot about it.....multiple people have said their EQ Score was different from their SW Score when they bought a report.   What's the deal there?

4.  Mods, please move this thread to the product section when sufficient answers have been given.      ...............................lol.

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1.  It is pullable right now

2.  After I pull the 2nd CR, then additional CR's will be available at 30% discount

3.  Can't answer that.

4.  Not yet Mods.

[Lechte]

Sure does help to snoop around on my account page.  Should have dug deeper before asking.

[-NewGuy-]

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@Lechte wrote:

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@Lechte wrote:

I subscribed to SW on 12/30/13 (monthly subscription).   It tells me that my CR is viewable til 02/10/2015.  

1.  When will my 2nd CR be available to pull? 

2.  Why am I not being offered a 30% discount on my EQ CR?   I am subscribed to TU Quarterly, and underneath my score, it shows me how old my last report was and that I can pull a TU report at 20% discount.

3.  I haven't seen this addressed or maybe I have and forgot about it.....multiple people have said their EQ Score was different from their SW Score when they bought a report.   What's the deal there?

4.  Mods, please move this thread to the product section when sufficient answers have been given.      ...............................lol.

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1.  It is pullable right now

2.  After I pull the 2nd CR, then additional CR's will be available at 30% discount

3.  Can't answer that.

4.  Not yet Mods.

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In regards to number three, the Score watch score simply isn't real time (based on what I've seen). When you refresh your EQ FICO (paying for it) you are getting a real time look at what your FICO is right now. However, in my experience Score Watch FICO updates aren't sent out in real time, they lag by a few days (at least). For example, since my last SW update I had a collection come off my account (within the last day or two). However I haven't received a SW alert with updated FICO yet. So, if I pulled my FICO right now it would be higher than the last alert I received.

[Revelate]

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@msf12555 wrote:

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@Lechte wrote:

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@Lechte wrote:

I subscribed to SW on 12/30/13 (monthly subscription).   It tells me that my CR is viewable til 02/10/2015.  

1.  When will my 2nd CR be available to pull? 

2.  Why am I not being offered a 30% discount on my EQ CR?   I am subscribed to TU Quarterly, and underneath my score, it shows me how old my last report was and that I can pull a TU report at 20% discount.

3.  I haven't seen this addressed or maybe I have and forgot about it.....multiple people have said their EQ Score was different from their SW Score when they bought a report.   What's the deal there?

4.  Mods, please move this thread to the product section when sufficient answers have been given.      ...............................lol.

---

1.  It is pullable right now

2.  After I pull the 2nd CR, then additional CR's will be available at 30% discount

3.  Can't answer that.

4.  Not yet Mods.

---

In regards to number three, the Score watch score simply isn't real time (based on what I've seen). When you refresh your EQ FICO (paying for it) you are getting a real time look at what your FICO is right now. However, in my experience Score Watch FICO updates aren't sent out in real time, they lag by a few days (at least). For example, since my last SW update I had a collection come off my account (within the last day or two). However I haven't received a SW alert with updated FICO yet. So, if I pulled my FICO right now it would be higher than the last alert I received.

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I've noticed something similar; not every change will trigger a scorewatch update; specifically in my case, I noticed that inquiries falling out of scoreable range didn't trigger it, much like your collection getting nuked.  I didn't see it until I had a balance update on one of my cards.  May see something similar whenever I get around to airstriking the silly IRS tax lien which is paid, I really suck at paperwork right now

[Lechte]

Thanks for the responses.

I had a collection due to fall off in March on my EQ....it was removed early on Saturday...on Sunday, I gotta SW alert with a 7 point increase....there were no balance changes, no nothing.  

Your FICO® score went up on a day when there were no credit alerts on your Equifax Credit Report™. This can happen if:            

• The balances on one or more of your credit accounts decreased. In general, less debt is better for your score.
• The credit limit on one or more of your credit accounts increased. Larger credit limits tend to help your FICO® scores if your balances remain the same.
• Negative information on your credit report, such as a bankruptcy, collection, or record of a late payment, was removed because it was more than 7 years old (or 10 years old in the case of a bankruptcy

[meehan22]

Exactly what the others have stated. I have in the last few weeks have 2 paid off judgement, 1 paid off collections, 1 paid off tax lien and no updates yet with ScoreWatch.  

I am waiting though! Luckily though next week my next TU Qtr pull will be available.