Reply
Regular Contributor
Posts: 133
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: (12/2014) EX ?, TU ?, EQ 766 (new version)
Lender Pull (12/03/14): EX 759, TU 750, EQ 766
Epic Contributor
Posts: 22,406
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.

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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.