MyFico Monitoring vs Score watch

[Anonymous]

Do these two products basically do the same things, as in looking for the same type of alerts?  Ive been on scorewatch trial for just over 2 weeks and have gotten two alerts, Ive been on the TU monitoring and havent heard a peep but the once a week message that their are no new alerts.  Ive app'd to about 7 places within the last mo and not even one inquiry has popped up an alert for my TU report.  Im not to overally worried but just found it odd.

[Anonymous]

Not that Im complaining, but shouldnt it have picked up something??  I just pulled my TU thru myfico and it showed 5 new inq's and 3 new accounts. I would think it would pick up one of these... (OK, maybe Im complaining a teeny weeny bit, however if I think of it this way 40 bucks for 4 fico reports is still a good deal, its just not doing what I thought it would)

[Barry]

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AttaGirl wrote:

Not that Im complaining, but shouldnt it have picked up something??  I just pulled my TU thru myfico and it showed 5 new inq's and 3 new accounts. I would think it would pick up one of these... (OK, maybe Im complaining a teeny weeny bit, however if I think of it this way 40 bucks for 4 fico reports is still a good deal, its just not doing what I thought it would)

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Hi AttaGirl,

The reason you haven't received any FICO Quarterly Monitoring alerts after changes to your TU report is that this product only generates alerts on a quarterly basis.  After your first 3 months of the FQM, you'll get an email telling you your new report and the alerts are available for you to view.

Sorry it wasn't clear.

Barry

[Anonymous]

ahhh, ok.  Thanks Barry!!   Just out of curiosity tho, why would it ask me if I wanted a setting for email me every week whether there has been changes or not?? I think that is what thru me off.

[Barry]

Good question.  The weekly alerts are for the non-credit bureau data sources that alert you to changes in your ID info -- name, address, etc.  These data sources are basically marketing databases, i.e. mail lists.

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AttaGirl wrote:

ahhh, ok.  Thanks Barry!!   Just out of curiosity tho, why would it ask me if I wanted a setting for email me every week whether there has been changes or not?? I think that is what thru me off.

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Message Edited by Barry on 04-06-2008 07:58 PM

[Anonymous]

Gotchya,   Thanks Again Barry!!!!