@Anonymous wrote:
i thought "score watch" wasn't functioning anymore....???
Scorewatch is functioning; they've just removed one of the triggers (score change) that didn't used to work very well anyway. They removed it because somehow it was interfering with info moving back and forth between myFICO and Equifax, which was partially responsible for people not getting alerts. I think.
What I use, and what I have always used, is getting an alert from a change from target score. The moment that I buy a new EQ score report, and I mean before I even look on all the screens, I re-set my target score to the newest score that I just pulled. If the score moves either up or down from that, it should alert.
The catch is that if you re-set the target some period of time later than when you most recently pulled, your score might have quietly changed from what's showing on your report. So if your score went from 680 to 685, and you didn't know it, and so you set your target to 680, it could move on to 690 and you wouldn't be alerted. It seems that the new score has to "cross" or leave the target to set off the alert. (This is now the totality of my shaky understanding of this!)
Other than that, it's a reasonable alert system. It always worked for me, except during a period that they had to reload my info.
Congrats...I can only dream of what it feels like....
