10-21-2012 08:30 AM - edited 10-21-2012 08:55 AM
I logged into credit karma this morning and noticed my FAKO went up by 18 points. So, I then logged into my TU & Equifax credit monitoring and noticed that Credit One completely removed the account. This was an account that was IIB, but was sold just prior to filing BK so it was reporting negatively on my CR. Time to cancel the credit monitoring, save the money and sit back and watch my score go up...until it's time to apply for a mortgage!
Thank you, myFICO! I couldn't have done it without this site! I've learned so much and learn more all the time!
10-22-2012 06:17 AM
10-25-2012 11:00 AM
My wife just had success with them too, and it's perfect timing since we're applying for a mortgage early next year and it was her last major delinquency (now she just has two 30 day lates from 5-6 years ago). I know it's not FICO, but her vantagescore is 760 and credit karma shows 755.
Our situation was a little weird because her account was closed in 2005, but she made payments after it was closed so her DOFD was 2006. Equifax/Experian were saying it would be removed next August. We emailed Credit One to ask when it will be removed, since it was closed more than 7 years ago. Sure enough, we checked this morning and the entry was gone! I guess they were willing to delete based on the closing date, not based on the DOFD.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.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.
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.