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Tradeline Deletion Time until Score Change

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Anonymous
Not applicable
‎01-29-2013 09:40 AM
‎01-29-2013 09:40 AM

Tradeline Deletion Time until Score Change

Had a tradeline just get deleted about 48 hrs ago. Pulled my report and saw it was deleted. How long will it take Myfico to update my score?? Is this automatic or....

I want to know because I was waiting for this last tradeline to delete so I can apply for a mortgage! Any answers would be great appreciated!

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Anonymous
Not applicable
‎01-29-2013 10:00 AM
‎01-29-2013 10:00 AM

Re: Tradeline Deletion Time until Score Change

Your FICO score generated without that tradeline in the report is updated. Think of it as a photograph. You do not have a record (FICO score) of the scene until you snap the picture. If the scene changes (accounts removed / added / balance updates etc.) then the new picture will be different from the old. A FICO score is an instant moment of what's there at that time. If something changes in the next hour or day the FICO score pulled would be different. 

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Anonymous
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‎01-29-2013 10:07 AM
‎01-29-2013 10:07 AM

Re: Tradeline Deletion Time until Score Change

Perfect answer and explanation! Thanks so much

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