doubts

[Anonymous]

Once again I have doubts in this scorewatch program. So yesterday afternoon I get an alert my score went up to 667. I was pretty happy. Today I decided to pull a report to see what has changed. Now my score is 665. Not a big difference but how can you have trust in a program like this.

[llecs]

Sounds like there could have been some slight util changes in the past couple of days that wiped out any gains. Just a week ago I get an alert for a 16 or 17 point gain. I had some accounts age well and AAoA bumped by 1. Just a day later on the 2nd, I pull my FICO report and my score dropped to almost where it was because of increased util.

[haulingthescoreup]

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@Anonymous wrote:

Once again I have doubts in this scorewatch program. So yesterday afternoon I get an alert my score went up to 667. I was pretty happy. Today I decided to pull a report to see what has changed. Now my score is 665. Not a big difference but how can you have trust in a program like this.

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It just means that something updated on your reports from the time that Scorewatch wandered through and crunched a new and the time that you pulled a new report. Your score potentially changes every time something updates on your reports, even though you're not aware of it.

Mine hop up and down by a couple of points all the time due to changing numbers of CC accounts with balances.

[Anonymous]

If my score is changing then I should be getting a score watch alert. I always immediately change my settings to my current score whenever I get an alert my score has changed. I guess I was surprised at the small score change from when I got an alert to the next day when I pulled a report. I was not expecting any change when I pulled the report. I feel I am paying for a service that is suppose to alert me of these changes.

[llecs]

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@Anonymous wrote:

If my score is changing then I should be getting a score watch alert. I always immediately change my settings to my current score whenever I get an alert my score has changed. I guess I was surprised at the small score change from when I got an alert to the next day when I pulled a report. I was not expecting any change when I pulled the report. I feel I am paying for a service that is suppose to alert me of these changes.

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Know that your score is monitored every 7-10 days and it isn't uncommon to get alerts every couple of days if lots of things are changing on EQ. Had you not pulled your FICO report the next day, you would have received an alert based on your settings. Unfortunately a pull will void out an alert because you are already being alerted to a change when you pull your report. Also SW monitors off your last known score so if it already changed due to the new pull, it won't alert you because it already changed, if that make sense. I remembered when I first got it and knew nothing about other CMSs. Aside from having SW I pulled my EQ FICO every 3-4 day$. I would only get credit alerts for changes to my report and rare got any score alerts due to my frequent pulls. Now post-mortgage, I only pull once per month and the alerts are more frequent (util dropping again).

[Booner72]

I haven't gotten a SW alert or email in 8 days now.  It's never been this long.

[haulingthescoreup]

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@Booner72 wrote:

I haven't gotten a SW alert or email in 8 days now.  It's never been this long.

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Perhaps your reports are settling down from all the good work you've put in on them!