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Recent PIF and no score change?? :(

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Freefall
Regular Contributor

Recent PIF and no score change?? :(

So I just PIF'd an OC who recalled the account from the CA. As of today it is gone from all 3 CRA. Just ordered a (EQ) report from (here) and it definatetly does not show up on the report but my score has not changed.

 

Whats odd is that this was a recentl collection (from 2011) for $195. I would have thought I'd seen some kind of a jump???

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3 REPLIES 3
percy81
Frequent Contributor

Re: Recent PIF and no score change?? :(

From what I've learned it takes a little while for the score to be adjusted after a removal. Funny how as soon as baddie is on the account your score drops 80 points quick, but after YOU pay they take forever to inch back up. Hang in there it will pop up when you least expect it. Smiley Wink

Current: TU 772 EQ 765 EX 760 (GE credit pull)
Goal 800+
WHAT'S IN MY WALLET: American Express Blue Cash Preferred 34,000/ Citi Simplicity 16,600 / Discover IT 16,500/ Chase freedom 4,800/ Care credit 20,000/ R us MasterCard 7,500/ kohls 2,500/ LensCrafters 2,400 / Citi Double Cash 13,200/ Amazon Visa 7,000
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kjm79
Valued Contributor

Re: Recent PIF and no score change?? :(

The score is formulated off of the data whithin the report when you pull it.  If an account is removed it's gone, there is no memory of it score wise. 

 

OP, was this your only collection account?  If you have multiple collections you may not see a significant bump until the last one is removed. 


CH 7 Filed 7/27/15 Discharged 11/16/15
Starting Score: EQ 620 TU 568 EX 593
Current Score (07/13/16): EQ 674 TU 649 EX 674 (FICO's 08)
Cap1 QS ($5350) (Combined QS and QS1) Discover It ($4100) MilStar ($8,600) Fingerhut ($800)
Off to the garden 05/01/16
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JenniferinFL
Frequent Contributor

Re: Recent PIF and no score change?? :(

I would guess you have more than one collection?

 

I got one collection deleted and my score didn't budge at all either. Not a single point.. lol

 

My last one should be gone soon too, but I'll be really disappointed if there's no score increase with both collections gone..

 

Current Cards: Cap 1 Journey $3000, Cap 1 Playstation $2250, WFNNB Store Cards $2450 combined, Target $700, CareCredit $1700, Barclay Rewards Plat. Mastercard $1800, Old Navy $300, DCU Platinum Rewards Visa $2000, Swagbucks Rewards Visa $1000

Starting Score: 615 EQ (03-15-2012) 600 TU (03-21-2012 Barclays app) ) Ch.7 discharged 5/2009

Current Score: 671 EQ (09-27-2014 DCU) 660 TU (9/26/14 Barclays) Ex 688 (10/07/2014 Swagbucks)

Gardening since 9/22/2014


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