no SW alert after new account or decrease on my utility???

[Barry]

---

chekz wrote:
ok so i just gave in and ran it. Something is fishy with SW. My score was 665 and when i just ran my report it is now 682 with no update? whats up with that? And my PIF payments have yet to post either on my report so i expect it to go up anytime now.

Message Edited by chekz on 09-04-2008 08:24 PM

---

As for why no alert when your score hit 682....

1.  What was your target score at that time?

2.  Keep in mind that SW monitors score changes every 7-10 days, so it may have been less than that amount of time since your score reached 682.

[chekz]

my target score is 700 and has been 700 for a few months. And i dont think it has to do with 7-10 days since nothing new was reported.It still shows me balance of 1300 and i already payed that balance. I used Fico Score Simulator and with paying off that balance my score should be between 722-762 when all of that is reported.

[haulingthescoreup]

The score alerts get triggered when your score change crosses the target. 665 --> 682 didn't cross 700.

Don't think of it as a target (they really ought to change that term, IMO); just reset it to your current score of 682. If your score changes in either direction, it will move away from and cross it, and an alert will be generated.

It makes my ears ring to think about this, but it does work.

As for the balance pay-down, congrats! Once your lender sends the info to the credit bureaus (CRA's) and they update, you should get another increase. I've noticed that EQ is currently the last to update on my reports, taking about 6 days more that EX.

[chekz]

thanks....but even though i didnt pass my goal of 700, shouldnt it had been updated on Score Watch when i log in? (receiving or not receiving alerts doesnt really bother me, as long as i can see my updated score on score watch. )

Message Edited by chekz on 09-05-2008 04:07 PM

[haulingthescoreup]

The only time that your displayed FICO EQ score will change is when you get a Scorewatch alert, or when you pay to pull a new report and score. Otherwise, it will just show the same old score, as do TU and EX. That's why it's a good idea to reset your target score every time that you know that your current score has changed.

[chekz]

ok back again....so i just pulled my transunion and i know for a fact my scores have gone up since CapOne already reported. But i still havent gotten updated on my Equifax score. Once Chase and Macys post it would go up even more. This is starting to bother me, im looking into purchasing a car but this is holding me back. I dont want to risk a hit unless i know im going to get it.