Re: Let me get this right....

Kathy4NU · ‎09-10-2012

Just so I know I understand this correctl......

I miss a payment or have something go to collections and it shows up on my credit report within a week.

I paid my debt off and collection agency agrees to delete and notifies credit bureaus and I'm told it will take 60-90 days to be deleted????

Shouldn't their be laws that says they have to delete/update positive stuff in the same timely manner they put the negative stuff on?

Almost sounds fair.

June '12: EQ 553 TU 0 EX 545
April '13 Lender Pull EQ 731, EX 692, TU 722 - all FICO

Closed on home May 22, 2013 at 2:00pm!!!
CU Visa $1000, VS $350, Chase Freedom $1000, Discover IT $2500, Home Depot: $2700, Menards $3000, NFM $3500
What's been deleted: 32 collections, 5 PR, 2 tax liens, defaulted student loans

Shogun · ‎09-10-2012

In a perfect world..... Yes!

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.

rootpooty · ‎09-10-2012

we as the consumer get the shaft lol

algorithmslave · ‎09-10-2012

I have been told the same information as you. I believe this practice is unfair.....if we screw up we hear about it for 7 years....if "they" screw up, we hear about it for 30-60 days. Question is, when and how do "they" hear about it?

You can wrap me in your flag, make me say a praise to your creator and make me spend your currency, but remember this, I am a loyal servant to Justice and a Patriot to none. I am free...

jamie123 · ‎09-10-2012

Yes Virginia, there really isn't a Santa Clause!

Starting Score: EQ 653 6/21/12
Current Score: EQ 817 3/10/20 - EX 820 3/13/20 - TU 825 3/03/20

Shogun · ‎09-11-2012

Welcome to the world of Finance!

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.

Anonymous · ‎09-11-2012

When I got my CA deleted, I was told it was reported on a specific date, but the CRA have "up to" 30 days to report it. A little investigating indicated that it usually updates quicker then that, but by law, they have to say that in the letters because of the way the CA reports it to the CRA. For me, it took less then a week for it to update (about 3 days, actually).

igids1 · ‎09-11-2012

Does it really take up to 90 days some times? I have two CA who agreed to delete with a pfd. Experian and TU were gone within a week with one of them. Nothing changed on eq. With the other CA, nothing has changed at all. No delete, no balance change nothing, and its been over a month. Should I keep waiting, call them back, dispute?

Let me get this right....

Get your FICO® Score for free

Let me get this right....