Reply
New Member
ycoidi2000
Posts: 4
Registered: ‎01-26-2009
0

How long to wait for updated FICO score upon deleted collection

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!

 

 

Moderator Emeritus
Posts: 11,562
Registered: ‎08-29-2007
0

Re: How long to wait for updated FICO score upon deleted collection

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.

 

 

-----------------------------------------------------------------------------------------------------
Free Annual Reports, Freq. Requested Threads, 5 Things We Don't Talk About, Common Abbreviations, Where do I start?, State Resources
New Member
ycoidi2000
Posts: 4
Registered: ‎01-26-2009
0

Re: How long to wait for updated FICO score upon deleted collection

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!

 

Moderator Emeritus
Posts: 11,562
Registered: ‎08-29-2007
0

Re: How long to wait for updated FICO score upon deleted collection


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!

 


 

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!

-----------------------------------------------------------------------------------------------------
Free Annual Reports, Freq. Requested Threads, 5 Things We Don't Talk About, Common Abbreviations, Where do I start?, State Resources
New Member
ycoidi2000
Posts: 4
Registered: ‎01-26-2009
0

Re: How long to wait for updated FICO score upon deleted collection

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.

 

 

Moderator Emeritus
Posts: 11,562
Registered: ‎08-29-2007
0

Re: How long to wait for updated FICO score upon deleted collection

Very nice!

 

What is your target score set at?

-----------------------------------------------------------------------------------------------------
Free Annual Reports, Freq. Requested Threads, 5 Things We Don't Talk About, Common Abbreviations, Where do I start?, State Resources
New Member
ycoidi2000
Posts: 4
Registered: ‎01-26-2009
0

Re: How long to wait for updated FICO score upon deleted collection

686
Moderator Emeritus
Posts: 11,562
Registered: ‎08-29-2007
0

Re: How long to wait for updated FICO score upon deleted collection


ycoidi2000 wrote:
686

 

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.
-----------------------------------------------------------------------------------------------------
Free Annual Reports, Freq. Requested Threads, 5 Things We Don't Talk About, Common Abbreviations, Where do I start?, State Resources
Frequent Contributor
ralbusta
Posts: 309
Registered: ‎04-07-2008
0

Re: How long to wait for updated FICO score upon deleted collection

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!


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}