My USAA AmEx finally reported $4 balance, it was reporting $301 since Oct, which dropped my score for high utilization, eventhough it was paid to 0 every month. Anyway I have not received a SW for this, it was disputed and fixed. Additionally, I had a collection that dropped last week and still no SW alert, which is odd. So now I have 2 things that should have moved my score around, a collection that was under 2 years reported and a high utilzation on revolving credit that was not reported correctly.
When should I expect a SW on this? I did receive the SW alert that there was NO CHANGE however....
Status as ofDate opened
| Oct, 2011 |
| Aug, 2011 |
| Oct, 2011 |
| $500 |
| Revolving |
| Individual |
| $15 |
| National Credit Card Cos. |
Balance [?] Current Status [?]
| $301 | Pays account as agreed |
Seven year payment history [?]30 days late60 days late90+ days late
| 0 times |
| 0 times |
| 0 times |
Worst Delinquency [?]
| None Reported |
Descriptions [?]
- Credit Card
Collection on debt to:
The collection agency "00000" was hired to collect a debt of $57 on account number "XXXXX".
Collection agency [?]Original balance [?]Current balance [?]Date assigned [?]Account number [?]Account holder [?]Account descriptions [?]| 00000 |
| $57 |
| $57 |
| Apr, 2010 |
| XXXXX |
| Individual |
| Customer unable to locate consumer Medical |
Starting Score: 656
Overall utilization dropped from %39 to .5% with the $4 balance that was suggested I carry. My Utilization was recored as very high on my signup to myfico and it was suggested I was negatively scored because of it. Thats why I disputed my $301 balance not being changed since Oct. The simulator also said I would get a 50 point bump by paying down my credit card balance. My FAKO score did increase with USAA CM just on the credit card balance
not sure why my post was moved here, but I paid to have my score updated and it did increase and SW didn't give me an alert. So basically I spent money for this service and it doesn't work. All my alerts were set for 660, and I passed that score but no SW
@Repo-ed wrote:If the scroes went up with out an SW alert, then how did you find out they went up?
I paid for a new score update....
 | Your FICO® score has gone up to 664 on March 15, 2012. |
This jump in your FICO® score happened on the same day as a change on your Equifax Credit Report™ which triggered an alert. It's likely that the change in your credit report caused your score to go up, but this is not always the case. Your score may have changed for other reasons, such as paying back your debts responsibly, which isn't always reported as a credit alert. Also, as factors that were hurting your score get older, they have less of a negative impact on your score. In addition, if multiple changes on the credit report happened on the same day, some may have hurt the score while others helped it.
1 of your accounts reported changes
USAA SAVINGS BANK (XXXXXXXXXXXX) |
 | USAA SAVINGS BANK (XXXXXXXXXXXX) | ||||||||||||||||||||||||||||||||||||||||
Account opened: 8/2011 Description: Consumer disputes - reinvestigation in process Amount in H/C column is credit limit
Contact: USAA SAVINGS BANK, 10750 W Ih 10, San Antonio, TX, 782881600
|
Problems:
1) It's still not showing my updated balance of $4 ( I checked my credit report and it correctly shows $4 from EQ and USAA CM
2) there is no update in SW from a deleted Collection (my only one) less than 2 years old.
3) I had to pay for a new score to get my score watch to activate, albeit 5 hours after the score posted....
@Student_Loans_Kill wrote:Problems:
1) It's still not showing my updated balance of $4 ( I checked my credit report and it correctly shows $4 from EQ and USAA CM
2) there is no update in SW from a deleted Collection (my only one) less than 2 years old.
3) I had to pay for a new score to get my score watch to activate, albeit 5 hours after the score posted....
Alright I couldn't take it so I purchaced my TU score, and what do you know? My one collection was removed from my TU report, but no SW alert on this removal but a 35 point increase on my TU score....
Questions: Why isn't SW picking this up on EQ? Clearly they didn't calculate this in my most recent score pull, because I assume but scores would increase by the same amount, 35-40 points for having a collection removed that is not even 2 years old...
Why was my quarterly monitor not even picking up this score increase? Do I really have to keep paying $19 a pop just to see if my score changes?
I subscribe to for EQ and TU, but neither is working correctly