Lefty0118 wrote:
Hello all,
Okay, have been waiting patiently for a scorewatch update because my other scores have gone up and I get the email saying my scorewatch went up 40 points! Wow...then I looked and the only thing that was updated per the scorewatch was my name. Now first off, I never disputed or put a name change in and second why would this cause an increase? Lost...help.
Edit: The reason I ask about this is on the myFico page it says.....
Name changes – How these affect your FICO® score
The names listed on your credit report have no effect on your FICO® score. If your FICO® score changed at the same time as a change to your name on your credit report, the change in your score was not caused by the name change
Hi Lefty0118....As AmyBoo said, a non-SW-alert-triggering change probably occurred on your credit report, i.e. balance decrease, negative item falling off, etc. A 40 point score is pretty substantial! You can check to (hopefully) see what's changed by pulling the free report that's been added to your Score Watch. Congrats on the score increase!
Hi Lefty0118....As AmyBoo said, a non-SW-alert-triggering change probably occurred on your credit report, i.e. balance decrease, negative item falling off, etc. A 40 point score is pretty substantial! You can check to (hopefully) see what's changed by pulling the free report that's been added to your Score Watch. Congrats on the score increase!
Barry, First of all thanks for the scorewatch update, thought I would be going broke as often as I have been checking, where is that 3 in 1 Fico anytime check? Just kidding. I can wish still.
Okay, so explain this, I did check my report again and it seems that I had the most recent, lowest collection fall off of my Equifax report. This was for a $20 collection from ATT that I never had, never received collect calls from, wrote numerous letters to, and I guess they took it off of my reports. My last letter was not very nice and spoke poorly of their customer (or non-customer service in this case) service dealing with this matter. I still have to question a 40 point increase for a 20 dollar collection?? As for the name change it was there in previous reports so I still question the triggers for SW.
Thanks again Barry.
Hi Lefty0118!
Lefty0118 wrote:
So Barry,
I am being ignorant here, but seriously.....if a CU can do this why can't myFico? Is it an agreement between all three CRA to agree to allowing a three in one? Who do I have to write a letter to!!!
Lefty
Not sure if I understand your questions correctly, but I'll give it a shot and let me know how I do, OK?
The credit union is purchasing Experian scores and offering them for free as a benefit to its customers. They aren't providing scores from all three bureaus, however. Also, to clarify my previous reply about WaMu, you get either the TU or Experian FICO score, depending on which part of the country you're in. That is, you get one but not both.
When you say "three in one," are you referring to credit reports or FICO scores or both? As for why myFICO doesn't provide a three bureau/three score product, this is something that myFICO and the bureaus have so far not been able to work out for various business reasons. And lastly, you can write to Fair Isaac and the bureaus.
