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Regular Contributor
Mish0817
Posts: 160
Registered: ‎12-02-2012

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 661
Ex your guess is as goodas mine!

Nfcu Cash Rewards 5000, Nfcu nRewards Mc 2500, Walmart 600, Target 200, VS 350,Capital one 500,Capital One Secured 551, Us Bank Secured 300 All less than 8 months old!
Established Contributor
electra
Posts: 573
Registered: ‎10-21-2012

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
Mish0817
Posts: 160
Registered: ‎12-02-2012

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 661
Ex your guess is as goodas mine!

Nfcu Cash Rewards 5000, Nfcu nRewards Mc 2500, Walmart 600, Target 200, VS 350,Capital one 500,Capital One Secured 551, Us Bank Secured 300 All less than 8 months old!
Frequent Contributor
traveler2005
Posts: 473
Registered: ‎08-13-2011

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 675, Exp 653.,Eq 655
Goal Score: 700 across the board


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Established Contributor
awdsmama
Posts: 755
Registered: ‎01-20-2012

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)
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Frequent Contributor
NewbieReed
Posts: 416
Registered: ‎12-05-2012

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: 4/2013 TU FICO 697, 02/2013 EQ 698 FICO (lender) 04/2013 674 Credit Sesame
NEW GOAL SCORE FOR 2013Breaking into the 700 club
[OLD GOALS: For now- 680 on all 3 = GOAL REACHED IN 02/2013}
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Senior Contributor
fishbjc
Posts: 3,324
Registered: ‎11-30-2007

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
Mish0817
Posts: 160
Registered: ‎12-02-2012

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 661
Ex your guess is as goodas mine!

Nfcu Cash Rewards 5000, Nfcu nRewards Mc 2500, Walmart 600, Target 200, VS 350,Capital one 500,Capital One Secured 551, Us Bank Secured 300 All less than 8 months old!
Valued Contributor
MovingForward_2012
Posts: 3,406
Registered: ‎12-19-2012

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.
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