I have had my score watch for about a month now and I have seen my score go up serveral times do to ult on my credit cards which is great. However, today my scorewatch updated that one of my student loan accounts has changed, I knew that a change was comming because citibank made an error in their reporting. This is the update I get from scorewatch:
|Previously reported||Newly reported|
|Status:||At least 120 days or more than four payments past due||Pays account as agreed|
|Description:||Account transferred or sold|
|Account transferred or sold|
Closed or Paid Account/Zero Balance
Ok Great my account i status has changed but I also know that some of my late payments should have been changed as well. I would love to be able to check this but only way i can is to use my last report that I have? Thats crazy! If you guys can tell me that my status has changed why cant they show the payment history as well? Maybe I am not looking in the right place? Honestly I would have been better spending my money on some place where I can see a new report whenever I want because the "real" fico score is may be real for what it is but lenders use so many different scores its almost worthless.
You don't have to buy from myFICO to see the changes. Just pull from another CMS or burn your annual free report from annualcreditreport.com.