Well, I hadn't thought about the purchase not showing up on the credit report yet. I'm pretty sure I've read that Guide to Score Watch, or whatever it's called, several times. It wasn't until I looked at the forums that I knew you have to set your score = to your current score to actually get an alert. I had mine set like to the next multiple of 10, and when I pulled the report it was well over that. I just don't understand why it doesn't behave as it should in that regard. It makes me think that the program isn't really "watching" my score at all. I don't get why you should have to set things to the lowest score to get it to work right. I think that is my main issue with the program.
Also, the explaination that if my score is currently higher than my current score, and I reset my alert to my current score that it can't pick it up doesn't make sense. I guess that's to keep people from setting it at like 550, leaving it there...so that every time it does a score/report check behind the scenes it sends an alert to that person?
This is what I mean in example: I have a score of 703, my alert WAS set at 710. So, I read the forum and found out I should have it set at 703 if I really want to be alerted when my score goes up. I immediately change it to 703 and wait a few days...knowing it can take a week or 2 for the next behind the scene check to run. Well, lets say, my score was 707 before I reseet my alert to 703...when the next check happens score watch sees that my score is higher than my alert setting, even though LAST behind the scene check my alert was 710 so the alert didn't get triggered for 707. I guess it assumes that I hadn't reset my alert since last time, and that it alerted me last time because 707 is higher than 703? That seems like a little bit of a loophole in logic to me. I get you guys not wanting people to abuse the service...but how is that abuse? Are we not paying to see our score changes? Why is it a big deal to just update the score every time for the user, it's doing the check anyway? I guess it's probably legal details, or licensing issues with FICO...
I'm also prone to think that the alerting is more geared towards score decreases than increases. That is it more reliable and accurate for decreases than increases, which doesn't seem fair.
I've not been displeased with the service the entire time, I think it was actually looking at the forums...and the fact that I haven't even gotten the "score has not changed in the past month" email this month. This particular forum has many "misunderstandings" or complaints against this tool, which is upsetting. I guess we're all just looking for some reassurance that we're not paying for something that doesn't work as expected. I expect that setting an alert 1 point above your current score would trigger an alert if that indeed happened, but apparently it doesn't. Apparently you have to set to the current score for "reliable" alerts. This is probably the biggest confusion on your product that all of us have. This is what we want an explaination for.
I'm not ready to give up yet, but I'm watching this service pretty hard right now, so we'll see. I'm going to try pulling my second free score, which kind of disgruntles me a little, but I expect my alerts to start working after I do this. From now on, I'm setting my score change alert to my current score..EVERY TIME I get an alert.
All that said, I do appreciate your attempt to help me, and the offer to help me cancel.
