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New Visitor
Posts: 2
Registered: ‎03-17-2013
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Transunion deleted 6 false reports.. credit increase of 1 point.

So my transunion dispute finished yesterday. The total number of negitive reports removed was 6. However, my score only went up a single point. Does it take time for my credit score to reflect the deleted items?

 

Thanks!

Mega Contributor
Posts: 19,803
Registered: ‎03-19-2007
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Re: Transunion deleted 6 false reports.. credit increase of 1 point.

It shouldnt.

When a CRA resolves a dispute by correction or deletion of information, they must provide the consumer with a copy of their updated credit report along with the Notice of Results of Reinvestigation, showing that the changes have been made.  Any subsequent scoring should thus reflect the corrected/updated file.

 

Possible score change upon deletion of derogs is just as dependent upon what remains in the file as upon deletions.

If the file still contains major derogs, for example, the score change could be minimal.

 

Established Contributor
Posts: 998
Registered: ‎03-22-2012
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Re: Transunion deleted 6 false reports.. credit increase of 1 point.


eculley wrote:

So my transunion dispute finished yesterday. The total number of negitive reports removed was 6. However, my score only went up a single point. Does it take time for my credit score to reflect the deleted items?

 

Thanks!


How many baddies do you have remaining on your report and what are your scores?



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Valued Contributor
Posts: 1,863
Registered: ‎09-20-2011
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Re: Transunion deleted 6 false reports.. credit increase of 1 point.

You could have also been rebucketed.  My last two derogs are coming off this summer and I'm not expecting a big score jump as I know I'll be rebucketed. 

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