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Contributor
los_west
Posts: 131
Registered: ‎04-24-2013
0

How long should I wait?

A couple of questions here from the newbie....

 

1.  Portfolio Recovery Associates agreed to delete the tradeline as of last Friday.  How long should I wait before I run a new credit report to see if its deleted yet?  I don't want to keep running the reports from all three bureaus, as it can get pricey.

 

2.  I joined Score Watch here on MyFico to keep track of changes.  How often are they updated?  How reliable do you find the information?  I am trying to pay down all my credit cards, I just got 2 left (which I hope to pay down to 10% in the next 3 months)...so I wanted to see how my score changes with paying down my balances.  

 

Thanks for your help in advance!

Starting Score: (04/18/2013) EX 572, TU 577, EQ 554
Currently: (04/24/2014) EX 764, TU 687, EQ 706 (new version)
Lender Pull 746 (03/2014, I believe it is Experian)
FAKOS: Credit Sesame 756, Credit Karma 685, Cap 1 (TU) 685, Discover (TU) 695, Quizzle 676, Merrick (FICO 8 TU) 710, Walmart 695

Goal: 700 across the board, Mortgage
Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008
0

Re: How long should I wait?

It can take 30 - 90 days to update.

 

As for Scorewatch I don't use it and have seen mixed reviews.  Do a search and see what you find.


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