ScoreWatch question

[Anonymous]

I just paid down my GAP card that was almost maxed out and completely paid off my J.Crew card that had somewhere between $100 and $200 on it. I also applied for and was approved for an AmEx Delta Gold card and put some purchases on it, but I already have an AmEx TE so I don't know whether or not AmEx reports them separately or as the same account or what (I know AmEx is weird with reporting stuff).

Anyway! I think having gotten a few alerts in the couple of weeks after signing-up I just miss the alerts. I haven't gotten one in 31 days (Today a month ago). I know it's not unusual for people to go a month or even two without alerts, I just didn't know if I should've gotten one due to my account activity.

Thanks!

[haulingthescoreup]

You won't necessarily get an alert from paying down balances unless it affects your util enough to change your score. And there is a greater delay with score alerts than there is with the others (new accounts, inqs, etc.)

AmEx is slower than Christmas about reporting a new card --do you know for sure that the Delta is showing up on your EQ report yet? (not to mention that EQ has been back in the doldrums recently) And yes, it will report as a second TL. Eventually. hth

--and do you have your target score set to 731? (per your siggy)

[Anonymous]

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haulingthescoreup wrote:
You won't necessarily get an alert from paying down balances unless it affects your util enough to change your score. And there is a greater delay with score alerts than there is with the others (new accounts, inqs, etc.)

AmEx is slower than Christmas about reporting a new card --do you know for sure that the Delta is showing up on your EQ report yet? (not to mention that EQ has been back in the doldrums recently) And yes, it will report as a second TL. Eventually. hth

--and do you have your target score set to 731? (per your siggy)

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Just set it to my current score. Thanks HTSU!