After an item is deleted such as a collection when would a fico score change take place? would the score change the same day the baddie fell off?
Your FICO score is based on a snapshot of your current report.
So, as soon as you purchase a score, if the account is no longer appearing, the score you get will reflect that.
FICO scoring has no "memory", meaning it doesn't remember what was/wasn't there last time you purchased a score, so is only based on what is currently on your report at the time of purchase.
thanks for the replys!!
Sidewinder I was hoping you wernt going to say that as I had a collection GW and there was no score change. The collection was from 02 and was reaged when I paid it off last year.