No Updates for a Long Time with Score Watch

[Anonymous]

Hi,

I currently have Score Watch purchased and the last time I received an update of a score change was May 22, 2008.  I am paying off 2 credit cards every month which report to all 3 credit bureaus.  When I originally signed up for the service in January or February I think it was, my score went from 569 to 611 in just those few months.  I know that sometimes it takes 60 days to report a change.  But, May 22 to September 18 seems to be just way too long without an alert.  I have been paying my cards regularly just as I always did so my score should have gone up even a little.  I set my score alert to 620, but nothing happened.  So, the latest change I have made was setting it to 670.  But, I just did that today to see if it would trigger anything (I didn't really believe my score would have gone that high).  Please help.  I have read where some accounts needed to be reset or required the help of an admin.  I am starting to feel as though I am paying for a service that I am no longer receiving benefit from.  Please advise on what needs to be done.  Thank you in advance for any help you can give me.

Eq score as of May 22:  611

[haulingthescoreup]

The problem with setting your target score so high is that you will never get a score alert until you reach that point. I wish they'd call it something other than "target", because that implies a goal, and IMO it leads to a lot of confusion.

I don't know where your score really is right now, but the best way to get score alerts is to set your target score to exactly the same score as you have now. The way it works is that whenever your new score "crosses over" your target, it triggers an alert. Moving away from that score in either direction (score increases or decreases) serves as crossing.

If you can pull another report and find out what your current score actually is, re-set your target to that number. This works well for me, as I watch my score go up and down 4 points, apparenty for eternity, lol. good luck!

[Anonymous]

Hauling,

Thank you for the super quick reply.  I guess I may sound a little like a cry baby here.  But, the reason I purchased the product in the first place was to get score updates.  I don't see the point in having the product if I need to buy reports.  Is there a way an admin can tell me what my current score is so that I can set my "target" to the current score?  I just don't feel like this is my fault or that I should have to come out of pocket to fix a system error.  But, I do appreciate the explanation and quick help.  Believe me, none of my frustration is directed towards you.  I am just trying to find a solution that will work for me.  Thank you again for your help. 

[haulingthescoreup]

Oh, hey, we all have flat spots to one degree or another on our skulls from occasionally beating our heads against the wall over SW. It's a great product once you have everything set up right, but it can be awfully confusing during that set-up process.

[Barry]

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@Anonymous wrote:

Hauling,

Thank you for the super quick reply.  I guess I may sound a little like a cry baby here.  But, the reason I purchased the product in the first place was to get score updates.  I don't see the point in having the product if I need to buy reports.  Is there a way an admin can tell me what my current score is so that I can set my "target" to the current score?  I just don't feel like this is my fault or that I should have to come out of pocket to fix a system error.  But, I do appreciate the explanation and quick help.  Believe me, none of my frustration is directed towards you.  I am just trying to find a solution that will work for me.  Thank you again for your help. 

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Hi henry55...A free EFX report has been added to your Score Watch account so you can get the updated score to set as your target. Good luck!

[Anonymous]

Talk about customer service! I must say Barry that the speed and effectiveness of what you did to solve my problem is outstanding. I thank you very much for what you did for me. Unfortunately I only moved up to 617, but I guess up is better than down. I have set my new score as my target so I will hopefully receive updates from now on. Again I thank you very much for helping me solve my dilemma. EFX: 617 (569 when first joined)

[Barry]

Not a problem. How about letting us know when you get your first alert since re-setting your target?

[Anonymous]

Hey Barry.  I know it has been awhile, but I logged on today and low and behold, I noticed that there was an alert from the end of November that said my Equifax score had gone up to 635 (previously 617).  Now I had set my options to e-mail me any alerts, including when I hit or exceeded a target score.  The e-mail I received for that month said there were no changes, which is why I hadn't checked the website in November or December.  But, at least I know that it is updating my score on the website.  I set it to 660 for my next update.  Should take awhile, but that will be a big milestone for me.  Thank you again for all of the help.

[Barry]

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henry55 wrote:
Hey Barry.  I know it has been awhile, but I logged on today and low and behold, I noticed that there was an alert from the end of November that said my Equifax score had gone up to 635 (previously 617).  Now I had set my options to e-mail me any alerts, including when I hit or exceeded a target score.  The e-mail I received for that month said there were no changes, which is why I hadn't checked the website in November or December.  But, at least I know that it is updating my score on the website.  I set it to 660 for my next update.  Should take awhile, but that will be a big milestone for me.  Thank you again for all of the help.

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You may want to set your target score a bit lower so that you'll get alerted more frequently as your score increases. Up to you, though. Glad to hear your score is moving up.

[Anonymous]

Good explanations.  I was confused by what SW does as well.