Rebuilding Your Credit

[ycoidi2000]

It's been two years in the making, but I finally received the dispute status to my only collection, and it is as follows:

This item has been deleted from the credit file. 

I can't tell you how happy this makes me.  Of course, I wanted to see an immediate change to my Equifax FICO score.  As this dispute is dated on March 14th, how long should I expect it to take to see a change on myfico.com?

Thanks!

[sidewinder]

If you are asking how long it will take to get a SW alert......they usually lag behind 2 days to a week.

If you are asking how long until you can pull a new report and it reflect the deletion.......as soon as it no longer appears on your EQ report, it won't/shouldn't appear on the report you pull here that the score is based on.

[ycoidi2000]

So, it's been 5 days since the notification of the deletion.  If I were to pull my report and a new score (without waiting for the SW alert), will the FICO score that I pull reflect the deletion even though the SW alert hasn't been triggered yet (can you tell I'm a bit anxious to see the end of this nightmare!?).

Thanks!

[sidewinder]

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ycoidi2000 wrote:

So, it's been 5 days since the notification of the deletion.  If I were to pull my report and a new score (without waiting for the SW alert), will the FICO score that I pull reflect the deletion even though the SW alert hasn't been triggered yet (can you tell I'm a bit anxious to see the end of this nightmare!?).

Thanks!

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It should.

Sometimes SW gets in a funk and don't work as it should. Also, depending on your settings could be the reason.

Let us know what happens!

[ycoidi2000]

I went ahead and purchased my score.  It has gone up to 59 points to 744 since my last SW.  I'm not happy that I'm paying for a service and I had to PAY to get my score again, but I am happy that my score did change.

[sidewinder]

Very nice!

What is your target score set at?

[ycoidi2000]

686

[sidewinder]

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ycoidi2000 wrote:
686

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I am suprised you didn't receive an alert. Check your alert history and see if you received an alert you didn't remember or looked over that increased your score past this mark.

[ralbusta]

Congrats on the jump!

BTW Anytime you get an "account has been deleted" message from a CRA, you can pull your report immediately and see the the change. Just some info for your future successes!