Removals with No Increase

[Anonymous]

I recently have been able to delete 3 negative items off of my Trans Union Credit Report. They were one lien, one judgement and one charge off... I'm Pumped.  However, while tracking my scores with My Fico, I have seen absolutely no increase in my immediate score.  It seems the only way I can get a bump in score is if I add a new line of credit or paydown and existing credit card. Can anyone tell me how long it takes for the increase to take effect from these deletions?  Thank You   

[Anonymous]

You'll see the change when the next alert triggering event happens. Unfortunately, removal of negative items doesn't trigger an alert with myfico.

[Anonymous]

---

@Anonymous wrote:

I recently have been able to delete 3 negative items off of my Trans Union Credit Report. They were one lien, one judgement and one charge off... I'm Pumped.  However, while tracking my scores with My Fico, I have seen absolutely no increase in my immediate score.  It seems the only way I can get a bump in score is if I add a new line of credit or paydown and existing credit card. Can anyone tell me how long it takes for the increase to take effect from these deletions?  Thank You   

---

Congrats on the removals! I am waiting for a few to purged from my reports, too. 

Please keep us posted on the score increase when you see it. 

[StartingOver10]

As you discovered, you have to do both:  remove the negatives and put in positive accounts in order to see a score increase. Most of the time you have to work on the negatives first so you are in a position to add new accounts and new positive history to overcome the older derogs. Keep plugging away. You have done a good job so far.