@Anonymous wrote:
So I signed up for the 10days free for my Fico score on here and I got my Equifax score which matched what my lender has as well. Can I get an updated score daily for 10 days or do I only get that score once? If I can update it, can you please tell me how? Thanks!
Be sure to read the account description on the product page and familiarize yourself with the Score Watch Guide. SW is a monitoring service for your EQ FICO score and report. When you first subscribe, you are given two included FICO scores and reports with the first being used when you subscribe. From here on out, SW will monitor your report and FICO score for changes. You can also use the 2nd included report at anytime, though I think there might be a limitation on that while in the trial.
Definitely read the Guide so you know what it monitors for and what it does not monitor for. On the report aspect of monitoring, it'll look for changes from the usual suspects like added inquiries, added accounts, major changes to your accounts (e.g. changed status, changed DOLA, changes in balances, changes in comments, etc.), and so on. These report alerts will typically come anywhere from the same day to 1-2 days after the event occurs. YMMV. I've found that it is the fastest in comparison to other CMSs. SW will not alert you to balance decreases and SW (and other CMSs) will not alert you to dropped accounts.
Aside from the report, it'll also monitor your score. It'll monitor your score after major account changes so it isn't uncommon to get alerted to a score change the same time your report changes. Aside from these major changes, it'll also monitor your EQ FICO for changes every week or so, though it isn't uncommon to get score alerts more frequently if there's a lot happening to your EQ FICO.
NOTE: ***important***, for best results, ALWAYS set your target score to EXACTLY match your current EQ FICO. I recommend changing that target right now to match the score when you subscribed. Score alerts are largely tied around how you set your target score. If you set the target too high, you will not get any score alerts until your new score hits or surpasses that target score. When I first subscribed, I set my target to 750 and my current score then was around 550. I would have waited 2+ years before it hit that and got alerted. But if you set your target score to match your current score, you'll get alerted if it goes up or down. And when the score changes, IMMEDIATELY reset that target to again match your new score.
