Hello all I am confused and not sure i want to waste the money.... got a score watch alert telling me on 2/26/2010 i got an increase to my score...... today got an alert that i got a decrease in my score.... no reason given for decrease? and back to original score it was pre 2/26/2010???? Anyone else have this happen?
urgh! I am having a similiar problem. I got a score alert on the 13th saying that my score increased to a 645. Yay, I was so excited. I recently disputed a bunch of information on my report and today I got a letter from transunion saying that I had several items removed so I purchased an experian and transunion report because I wanted to look over everything. My score is not 645! In fact, according to the report I ordered today it went down to below what it was when I started out. How can in change so much in five days unless the score alert was just false? I am reallky upset, boo! this whole ordeal makes me want to cancel my subscription and just give up.
urgh! I am having a similiar problem. I got a score alert on the 13th saying that my score increased to a 645. Yay, I was so excited. I recently disputed a bunch of information on my report and today I got a letter from transunion saying that I had several items removed so I purchased an experian and transunion report because I wanted to look over everything. My score is not 645! In fact, according to the report I ordered today it went down to below what it was when I started out. How can in change so much in five days unless the score alert was just false? I am reallky upset, boo! this whole ordeal makes me want to cancel my subscription and just give up.
Make sure you compare apples to apples. Ignore TransUnion and Experian...those aren't related to ScoreWatch. Did you purchase a new Equifax FICO report today too? Also, just because something changes on TU or EX, doesn't mean that it'll change on EQ too.
I'm sorry, I mistakenly put that I got an experian report today, however, it was my equifax. So if it doesn't have anything to do with score watch then what scores does score watch send you alerts on?
It monitors EQ. Ignore anything that TU or EX reports when comparing EQ.
If it was off TU, could it still be on EQ?
Disputes can really whack out your scores. Did the dispute conclude within the past few days? Was anything removed from that dispute? Disputing some OC accounts, even if bad, can result in a score drop if removed. YMMV based on how it's reporting.
Yes, the dispute concluded around the 10th. Several items were deleted, 6 actually. So when I recieved the score alert on the 13th, I assumed it was based off the items being removed. I was just so excited. Now today, only 5 days later, it went down by 42 points.
