Reply
New Visitor
Posts: 1
Registered: ‎08-08-2007
0

Success in Removing Error... now What?

I'm beginning the home purchasing process. After reviewing my credit report and disputing an error, I've successfully been able to get it deleted from my report. The only view that I have of my credit report is the one-time purchase I made to get my credit report from myFico.com, so here's my question:

How long does it usually take a credit report to reflect recent changes such the deletion of an incorrect credit item after a dispute?

Along the same topic, I mailed in information to two of the three credit reporting agencies to add information to my credit report such as current employer, phone number updates, etc. Once those agencies have received this new information, how long will it take before my credit report reflects this?
Moderator Emeritus
Posts: 7,326
Registered: ‎06-18-2007
0

Re: Success in Removing Error... now What?

As to your first question.
 
If the CRA  notifies you of a deletion  it is gone within 24 hrs.
 
someone else needs to answer your next question  I have no idea. I have never done that.
Moderator Emeritus
Posts: 9,252
Registered: ‎03-19-2007
0

Re: Success in Removing Error... now What?

[ Edited ]
the score change is usually instant.

Name/address changes are as soon as they are processed.

Message Edited by Timothy on 08-08-2007 07:48 PM
Established Contributor
Posts: 677
Registered: ‎05-31-2007
0

Re: Success in Removing Error... now What?



joshuapurcell wrote:
I'm beginning the home purchasing process. After reviewing my credit report and disputing an error, I've successfully been able to get it deleted from my report. The only view that I have of my credit report is the one-time purchase I made to get my credit report from myFico.com, so here's my question:

How long does it usually take a credit report to reflect recent changes such the deletion of an incorrect credit item after a dispute?

Along the same topic, I mailed in information to two of the three credit reporting agencies to add information to my credit report such as current employer, phone number updates, etc. Once those agencies have received this new information, how long will it take before my credit report reflects this?


When you dispute something with a CRA and the CRA finishes their investigation they send you a new copy of your credit report showing the changes made along with an explanation letter of what they did. When you get this from them all the information has probably been on your report for a week or so because of the time it takes to actually get to you through the mail. If you dispute online and they send you notice you will see a live version of your report.
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.