erroneous alert

[Anonymous]

So. Can anyone explain this to me...I get a score watch alert saying my score, which was and is currently 656, dropped below my target score of 656. MY heart dropped as I have been working very hard on raising my score and have not had anything new going on with my credit besides making my timely payments. So, I look further down the alert and it says my score is 656 and my score has not changed. I will try and copy and paste my alert but not sure if it will work. Is anyone else getting erroneous alerts? I am pretty upset that I am paying for a faulty service.

Can't copy and paste the alert.....too big

[Barry]

Hi gagum129,

We checked and you're right.  The same alert first says "Your FICO® score has dropped below your target score of 656," and then says "Your FICO® score is 656 and has not changed since June 1, 2011."

While I have no idea how this happened, it appears that something is out of sync with your target score setting at EQ, who processes these alerts, although it's set correctly at 656.  Other than reporting this incident to Equifax, which we will do, we've added a free report to your SW so you can pull it and reset your target score if it has changed.  This is likely correct the problem.

Want to give this a try?

-Barry

[Anonymous]

Barry,

 Thank you for the free report. I pulled it and no score change. It appears to be some sort of glitch. I am a monthly subscriber and I have to now wonder if I am better off just pulling a report every now and then instead of subscribing to score watch. Again, thank you for the free report but if I am getting alerts when I should not am I going to not get alerts when I should???? Has to make one wonder.

Thanks,

Donnie

[Barry]

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@Anonymous wrote:

Barry,

 Thank you for the free report. I pulled it and no score change. It appears to be some sort of glitch. I am a monthly subscriber and I have to now wonder if I am better off just pulling a report every now and then instead of subscribing to score watch. Again, thank you for the free report but if I am getting alerts when I should not am I going to not get alerts when I should???? Has to make one wonder.

Thanks,

Donnie

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I seriously doubt it, but I understand your concern.  Since you've got a little more than a week before your next monthly payment for SW, why not give it a week and see if you get any alerts?  Have you made any recent changes, i.e. new account openings, that might generate an alert anytime soon?

-Barry