Scorewatch for fico and Equifax

[Anonymous]

Does anyone know what day of the week fico scorewatch runs and posts an update to your score? I know it automatically posts an update if you have a credit alert on the same day but if there are no credit alerts then what day of the week does it update?

Also for Equifax I subscribe to scorewatch and I asked them what day of the week they run and post the update to your account providing you have no credit alerts and they couldn't answer my question. Anyone know?

When my score changes with equifax I get an alert and the next day it hits Fico and I get an alert? Seems strange that equifax scorewatch tells me sooner than the fico scorewatch.

[haulingthescoreup]

Do you have both the Equifax and myFICO version of Scorewatch? That seems redundant. They are basically the same product, although the myFICO version will tell you about some oddball things like score bucket changes that you won't get from EQ.

myFICO, including Scorewatch, has to wait on the 3 CRA's (credit bureaus) to send info over, so there is a built-in delay. Additionally, SW checks more frequently for adverse info (increased balances, new addresses, new inquiries) than it does for changes that help your score. In other words, it's looking out for your credit safety first, and then for score improvement.

I have gotten Scorewatch alerts on every day of the week, including weekends. For a while, it seemed to go into a coma and I was ready to cancel it, but then it started sending alerts again, and it told me of some things that I wouldn't have figured out otherwise.