@sy2088 wrote:
Hello,
I just signed up to myfico score watch and purchased all 3 scores. What I want to know is, as long I pay the $14.95 subscription fee will I be able to track my scores or do I have to keep purchasing the scores every so often?
Thanks
MyFICO ScoreWatch doesn't offer all 3 scores. It only offers one and that's your EQ FICO report. It doesn't provide TU or EX.
If you have a SW subscription at the $14.95, know that SW monitors your EQ report and EQ FICO score for changes. There are two types of alerts: a credit alert and a score alert. Credit alerts happen whenever there are major changes to your EQ report like balance changes, new accounts, new inquiries, changes in stati, etc. Whenever you get a credit alert, SW will grab your latest EQ FICO score and provide that for you. So, if changes are happening daily, you can literally get a new EQ FICO daily.
However, there are some who are coasting into the credit sunset. They aren't getting any credit alerts because there's nothing to be alerted to. As a fallback, SW also provides score alerts. Absent any credit alerts, SW will begin monitoring your EQ FICO score for changes and does so every 7-10 days. Score alerts are based solely off your set target score found within your settings. Anytime your EQ FICO hits or surpasses your target score you will get a score alert within those 7-10 days. For best results, always set your target score to EXACTLY match your current EQ FICO. That way if your EQ FICO increases or decreases you'll get a score alert absent any credit alerts. If set below your EQ FICO, you will not get any alerts until your score drops below that threshold. Conversely, if set too high, you will not get any score alerts until that goal is met. As your EQ FICO changes, immediately reset your target score.
Read the Guide below for more detailed info as to what it catches and what it doesn't catch (e.g. dropped accounts, dropped balances, etc.).
Score Watch Guide
