No alerts? 3 collections deleted.

[Voodoo_Laveau]

Mornin'

I just purchased a credit report from Equifax site. All of my collections have been removed as promised in the last few days. Yet Myfico.com has not sent me any alerts or anything. I know that my score would bump up. As it bumped up 12 points last week when I paid off a collection. I am suppose to pre qual for a mortgage soon and I need to make sure I hit my target score. Should I just be patient and wait? I do have one free report/ score update but I hate to use it prematurely.

I realize it could depend on my settings. The collections are updated every month and so I doubt that would trigger an alert but I have my settings set to notify me if my score moves up by one point.

Thanks for any insight or advice.

[DaBears]

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@Voodoo_Laveau wrote:

Mornin'

I just purchased a credit report from Equifax site. All of my collections have been removed as promised in the last few days. Yet Myfico.com has not sent me any alerts or anything. I know that my score would bump up. As it bumped up 12 points last week when I paid off a collection. I am suppose to pre qual for a mortgage soon and I need to make sure I hit my target score. Should I just be patient and wait? I do have one free report/ score update but I hate to use it prematurely.

I realize it could depend on my settings. The collections are updated every month and so I doubt that would trigger an alert but I have my settings set to notify me if my score moves up by one point.

Thanks for any insight or advice.

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Score watch will not tell you if you had collections removed. In regards to a score jump, it depends on what else you might have on your credit report. Score Watch also monitors for score changes, accounts added, personal info change, etc every 7-10 days

[Voodoo_Laveau]

Thank you. At first I thought score watch updated anytime there is a change. However I get weekly emails telling me there was no change for the week. So scorewatch may just be a few days behind on updating the score if there is a score change? My score has jumped 50 + in a month already. I have to admit I am a little obsessed with this credit business. I want instant gratification which I know will not happen on myfico.com So I use Creditkarma to get my daily fix. ha

[DaBears]

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@Voodoo_Laveau wrote:

Thank you. At first I thought score watch updated anytime there is a change. However I get weekly emails telling me there was no change for the week. So scorewatch may just be a few days behind on updating the score if there is a score change? My score has jumped 50 + in a month already. I have to admit I am a little obsessed with this credit business. I want instant gratification which I know will not happen on myfico.com So I use Creditkarma to get my daily fix. ha

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I use both Score Watch and myFCO quarterly monitoring(TU) and yes, the site is very addicting lol. I closed out my facebook account for this.

[electra]

Also, paying a collection does not positively impact your FICO score. So, must've been another reason for the bump. (Better util, longer history, etc)

[ktl72455]

Enjoy your daily fix on Credit Karma while you can. They are changing it to wkly updates.