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Credit score hasn't changed

Established Member

Credit score hasn't changed

I had One Judgment and three collection deleted from Equifax and three collections from Experian deleted and the same for Trans Union but my credit score hasn't changed?? Any input would be appreciated

Message 1 of 9
8 REPLIES
Regular Contributor

Re: Credit score hasn't changed

Are you checking your Equifax score from this site? I would figure you would surely get something!

9/1/2012 ...DRUMROLL .... EQ .. 776!!

I'm FINALLY a homeowner .. 10/24/12!!!!

My Cards ~~~GARDENING~~~ BNSF CU ($1000) BOA ($2500) Amazon / GE ($900) AMEX BCE ($2500) Chase Freedom ($3000) US Bank Cash + (7500)
Message 2 of 9
Moderator Emeritus

Re: Credit score hasn't changed


courtney091082 wrote:

Are you checking your Equifax score from this site? I would figure you would surely get something!


+1

Message 3 of 9
Established Member

Re: Credit score hasn't changed

No- I haven't checked it here.  But I have checked it at USAA

Message 4 of 9
Regular Contributor

Re: Credit score hasn't changed

i had a CO removed and my FICOs went up ~20 points but my USAA score didn't move. it's actually been stuck for a few weeks now despite getting a number of baddies removed.


Starting Score: EQ FICO 588 EX FICO 587 TU FICO 588
Current Score: EQ FICO 660 EX FICO 642 TU FICO 606
Goal Score: 680
Message 5 of 9
Moderator Emeritus

Re: Credit score hasn't changed

OP, ignore USAA's FAKOs. Your FAKO can increase and FICO decrease for the exact same event. Plus, IME, their FAKO doesn't update daily as advertised.

Message 6 of 9
Valued Contributor

Re: Credit score hasn't changed

While you can pull a USAA report daily, I've noticed two things:

1. the scores seem to be only updated monthly (mayb bi-weekly at best)

2. it doesnt track monthly payments very well but does track account removals and new accounts quickly.

 

Duncan



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Message 7 of 9
Established Member

Re: Credit score hasn't changed

Ok- I took everyone's advised and purchased a fico score from here and Equifax's score is the same 577  TransUnion's is 505 and under USAA TransUnions is 595.  Wow..what a blow.

Message 8 of 9
Highlighted
New Contributor

Re: Credit score hasn't changed


mschang wrote:

i had a CO removed and my FICOs went up ~20 points but my USAA score didn't move. it's actually been stuck for a few weeks now despite getting a number of baddies removed.


Same issue with this crap PlusScore...in addition, the TU score I pull from Lifelock has not changed in months! Static? I think so.....

You can wrap me in your flag, make me say a praise to your creator and make me spend your currency, but remember this, I am a loyal servant to Justice and a Patriot to none. I am free...
Message 9 of 9