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Regular Contributor
Posts: 170
Registered: ‎12-02-2012
0

I am dying to know if my score changed!

OMG I am so curious if my Equifax score changed since midland deleted 3 of my 6 baddies...(totalling 8500)  I cant take it! My husband has forbidden me to hit he buy button.. LOL he says wait for the score watch after my credit card posts at end of next week.. ugh (i hope score watch detects something before then)!!!!!  lol

 

 



Eq 675
TU 681
Ex your guess is as goodas mine!

Nfcu Cash Rewards 15000, Nfcu nRewards Mc 15000, Walmart 600, Target 400, VS 650,Capital one 3750, Us Bank 300, Discover 4500,Citi DP 1500, Chase Freedom 2000. And I'm done...... no more cards just going to tend my garden
Established Contributor
Posts: 573
Registered: ‎10-21-2012
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Re: I am dying to know if my score changed!

LOL.  I feel your pain but I've pulled when I should have waited a bit longer and then was totally annoyed to receive the same Score as the last pull!  On the other hand...I have also had the opposite...no alert from score watch and pulled anyway and there was a bump!  I think there's definitely a bit of a lag in the score watch notifications.



Starting Score: TU:584 | EQ 584
Current Score: TU FICO: 711 | EQ FICO 713 | EX (USAA FAKO) 779
Goal Score: 780 across the board


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Regular Contributor
Posts: 170
Registered: ‎12-02-2012
0

Re: I am dying to know if my score changed!

my scorewatch didnt notice when i got my foreclosure deleted either.. ugh.. annoying and i had a bump in score by 25points when i paid to pull

 



Eq 675
TU 681
Ex your guess is as goodas mine!

Nfcu Cash Rewards 15000, Nfcu nRewards Mc 15000, Walmart 600, Target 400, VS 650,Capital one 3750, Us Bank 300, Discover 4500,Citi DP 1500, Chase Freedom 2000. And I'm done...... no more cards just going to tend my garden
Established Contributor
Posts: 711
Registered: ‎08-13-2011
0

Re: I am dying to know if my score changed!

Hate to say it but score watch doesn't alert when accounts are deleted.





Starting Score: TU 573 Exp 523 Lender Pull, Eq 583
Current Score: TU 673, Exp 664.,Eq 672 04/17/2015 TU 713 Equifax 686 Experian 671

Goal Score: 700 across the board


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Established Contributor
Posts: 756
Registered: ‎01-20-2012
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Re: I am dying to know if my score changed!

[ Edited ]

How old were the collections?  If there were more than a few years old they may not have been hurting your score muh at this point anyway....But WAY TO GO on an improving credit report!

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
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Frequent Contributor
Posts: 444
Registered: ‎12-05-2012
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Re: I am dying to know if my score changed!


Mishwatson wrote:

OMG I am so curious if my Equifax score changed since midland deleted 3 of my 6 baddies...(totalling 8500)  I cant take it! My husband has forbidden me to hit he buy button.. LOL he says wait for the score watch after my credit card posts at end of next week.. ugh (i hope score watch detects something before then)!!!!!  lol

 

 


I'm in the same boat.... waiting until February 10th. It's kiling me ! :-P

 

Trying to remain patient. Good luck!

Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012
Current Score: 705 FICO TU (10/2014)Take the FICO Fitness Challenge
Senior Contributor
Posts: 3,455
Registered: ‎11-30-2007
0

Re: I am dying to know if my score changed!

I don't think you get score watch for deletions.  Hope I'm wrong though.  I have a medical coming off and would be sweet to see that.

 

BEFORE you pull anything, are you monitoring also by CreditSesame?  I would not pay to pull until it's gone on there.  And that's a YMMV thing, but it's a nice guide.

Regular Contributor
Posts: 170
Registered: ‎12-02-2012
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Re: I am dying to know if my score changed!

I have transunion monitoring and experian (for daily pulls, doing month trial with ex then ill cancel) transunion Iis the last to remove so hopefully in a few days all 3 midland accounts will be gone! 1 is this morning :smileywink:. Question I have 3 baddies left one is applied card bank charge off, they never sold this to a job and it still shows in my revolving accounts so I think it's hurting my score and util. Daniel dispute that it should be in collection accounts?   How to handle OCs? 



Eq 675
TU 681
Ex your guess is as goodas mine!

Nfcu Cash Rewards 15000, Nfcu nRewards Mc 15000, Walmart 600, Target 400, VS 650,Capital one 3750, Us Bank 300, Discover 4500,Citi DP 1500, Chase Freedom 2000. And I'm done...... no more cards just going to tend my garden
Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012
0

Re: I am dying to know if my score changed!

Yes you can get free alerts from Credit Karma and Credit Sesame. I've noticed that I will get a particular alert from them first before I get my score watch alert.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
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