No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
I received a SW alert that my score had dropped by 30 points. Discovered that one of my ex's CCs had some lates in May/June and I was an AU on the account, but it had never reported before. I was able to contact the CC issuer and get it off right away before my final credit pull for my mortgage.
Question, though...it came off AND I paid down a CC to bring util from 22% to 7% and have not had a SW update? Don't want to pull the trigger on a new report, but I sure would like to see what my score looks like (and, yes, I keep my settings AT the current score). How many days should I let go by?
What day did the AU drop and what day did the balances go down on EQ? I'd give it a week from that point.
@llecs wrote:What day did the AU drop and what day did the balances go down on EQ? I'd give it a week from that point.
Thanks for the advice. The balance went down Saturday, the AU dropped off Sunday (I was backdooring EQ to make sure). I really hoped I'd see a rebound from that sooner. Does SW really only monitor weekly?
Yes, if there isn't anything happening on your CR to trigger a credit alert inside that weekly score check.
From the SW Guide found stickied in this board:
Score Alerts – these alerts notify the subscriber of Equifax FICO score changes in a couple of ways. (See table below.)
- If a Credit Alert is triggered, the latest score is always shown on that alert.
- When no Credit Alerts are triggered, the scores are monitored every 7-10 days for changes.
@llecs wrote:Yes, if there isn't anything happening on your CR to trigger a credit alert inside that weekly score check.
From the SW Guide found stickied in this board:
Score Alerts – these alerts notify the subscriber of Equifax FICO score changes in a couple of ways. (See table below.)
- If a Credit Alert is triggered, the latest score is always shown on that alert.
- When no Credit Alerts are triggered, the scores are monitored every 7-10 days for changes.
Need the head-smacking smiley. Thanks for the info! I couldn't stand it any longer and went ahead and blew my 2nd pull. It was WELL worth it as I am now at an all time high of 721! Woo-flippin'-HOO! Thanks again MyFICO for an awesome product and community where knowledge is VERY powerful!
@thankfulheart wrote:
@llecs wrote:Yes, if there isn't anything happening on your CR to trigger a credit alert inside that weekly score check.
From the SW Guide found stickied in this board:
Score Alerts – these alerts notify the subscriber of Equifax FICO score changes in a couple of ways. (See table below.)
- If a Credit Alert is triggered, the latest score is always shown on that alert.
- When no Credit Alerts are triggered, the scores are monitored every 7-10 days for changes.
Need the head-smacking smiley. Thanks for the info! I couldn't stand it any longer and went ahead and blew my 2nd pull. It was WELL worth it as I am now at an all time high of 721! Woo-flippin'-HOO! Thanks again MyFICO for an awesome product and community where knowledge is VERY powerful!
+1000. and congrats on your new, all time high score!!