In my experience, by setting my target score to my current score, I get SW alerts whenever my score changes, even if there isn't a credit alert associated with the score change. So, if your score goes up (which is a reasonable assumption based on what's about to happen), you should still be alerted to the score change.
A couple weeks ago I received an alert when my score went up, but there were no credit alerts. This is the explanation that followed:
Your FICO® score went up on a day when there were no credit alerts on your Equifax Credit Report™. This can happen if:
- The balances on one or more of your credit accounts decreased. In general, less debt is better for your score.
- The credit limit on one or more of your credit accounts increased. Larger credit limits tend to help your FICO® scores if your balances remain the same.
- Negative information on your credit report, such as a bankruptcy, collection, or record of a late payment, was removed because it was more than 7 years old (or 10 years old in the case of a bankruptcy).
- Negative information on your credit report is not harming your FICO® score as much as before because it is now older. Past negative credit behavior, like missing payments or defaulting on loans, are offset over time by more recent history of credit responsibility.
