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A late payment within the last year (or even within the last 2 years) is a major derog for credit scores. You may want to focus on that last late payment to see results.
Did you purchase a new score report or were you just expecting to automatically have a score update? If you purchased a new report and the lates have been removed and still no score increase then I would be concerned because you should get something at least a few points. But if you just know the lates have been removed and was expecting for the score update I wouldn't be worried. Myfico usually takes a couple days to reflect credit report changes and provide a score alert update. Are you sure the companies have removed all the lates, in my experience it usually takes companies anywhere from 1 week to 1 month to report changes to the CRAs. Either way congrats on the removal of the lates. Even if you don't get a huge bump in scores, clean reports are always awesome
OP, some questions:
1) Are there any lates showing within that TL now? If so, how severe is it and how recent is it?
2) Are there any comments still showing within the TL like a dispute comment or that Govt claim comment?
3) What is showing in the "Worst Delinquency" field?
4) Do you have other baddies reporting and if so, how recent were they in relation to this SL? Newer? Older? worse?
The scorewatch is a seprate entity than the boards. Sorry but I have no control or access to any of the scorewatch activities. I will tell you about mine, and yes, I have a scorewatch account. They generally update on Monday or Tuesday, and sometimes during the week. It will only send an alert if there is a change that sets off a trigger according to the settings you have applied. If you feel there is something not working right, please feel free to contact their support group.
Again, I'm sorry I'm unable to help in this regard.
Shogun, myFICO moderator.
It can take up to 90 days for the CRA's to update information. Keep in mind also the points you lose, you always don't get back. Have patience rebuilding credit is a slow process. Best of luck Koky!!!!1