Score Watch Alert Issue

[Amleigh]

Thank you for the free score power. I pulled the report and my amount of new credit went from "bad" to "not good", which is a plus. The only significant change that I saw that possibly would have lowered my score is that a revolving account that I opened back in 5/2009 went from a $0 balance (I never used it) to a blance of $46 with a limit of $250, which is a utilization of 19%, Could this have caused my score to go down?

[Barry]

---

Amleigh wrote:

Thank you for the free score power. I pulled the report and my amount of new credit went from "bad" to "not good", which is a plus. The only significant change that I saw that possibly would have lowered my score is that a revolving account that I opened back in 5/2009 went from a $0 balance (I never used it) to a blance of $46 with a limit of $250, which is a utilization of 19%, Could this have caused my score to go down?

---

Looks like the new 10/8 report shows two utility collections vs. only one on the 9/30 report. The increase in utilization may have also had something to do with the score change, but I'd say the additional collection is probably the main culprit.

[Amleigh]

You're right; I missed this. This is a duplicate account! I will call Equifax immediately.

[Anonymous]

Hi Barry,

Do accounts as an AU suppose to be reported. If so, It's been on my Equifax for 4 or 5 days now and I've had no alert.

Also, I have an inquiry from 10/1. It is on my report as I have Equifax's 3-in-1 monitoring but I still haven't gotten an alert from Scorewatch. It's been a week today.

I don't know if my score has changed as a result...up or down.  I would have thought so, but I'm really not that savvy with all this. Can you check it out somehow for me?

Thanks in advance for any assistance

[Anonymous]

I am such a dunce!

I see now that the inquiry alert is in my last SW alert. Okay so can you just address the question about the AU account?

Thanks!

[Barry]

---

tubesock wrote:

Hi Barry,

Do accounts as an AU suppose to be reported. If so, It's been on my Equifax for 4 or 5 days now and I've had no alert.

Also, I have an inquiry from 10/1. It is on my report as I have Equifax's 3-in-1 monitoring but I still haven't gotten an alert from Scorewatch. It's been a week today.

I don't know if my score has changed as a result...up or down.  I would have thought so, but I'm really not that savvy with all this. Can you check it out somehow for me?

Thanks in advance for any assistance

---

Any account appearing on your report that wasn't there previously should trigger a new account alert. We've added a free report to your Score Watch account so you can pull a new EQ report through SW and see if it shows on the EQ-only report that's sent to myFICO. If it's on there, give it a couple of days, and then let us know if you haven't received an alert.

[Anonymous]

Okay, I'll follow your instructions.

Thank you very much!

[cc29]

Hi, sorry if I'm posting this in the wrong thread.  Would I receive an alert if an account was deleted or an inquiry no longer hurt my score?  Also, how often does Scorewatch check one's report?  I signed up for the free trial on Sept 28, 2009.

Message Edited by cc29 on 10-12-2009 06:54 AM

 Never mind.  I read the Scorewatch Guide that was stickied at the top of the page.  Thank You!

Message Edited by cc29 on 10-12-2009 07:03 AM

[Barry]

---

cc29 wrote:

 Never mind.  I read the Scorewatch Guide that was stickied at the top of the page.  Thank You!

Message Edited by cc29 on 10-12-2009 07:03 AM

---

[daylove]

I did not receive any alerts from Sept 18 to Oct 18 despite my score changed 17 points which I discover only after I pulled a new report. This is not right since I set the alert for any balance change of more than 5%, on one of my card the balance went from $480 to $13 which is well more than 5%.