So frustrated

[MSBEHAVIN101]

Ok so I am working on my credit in order to purchase a home by the end of this year. I paid off an open line of credit and it made my credit score with equifax drop 7 points. Also a charged off account that was deleted this month did not make my score increase at all. On my Transunion report the account was deleted as well and score increased 65 points. Is this accurate I am totally confused at this point.

[Shogun]

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@MSBEHAVIN101 wrote:
Ok so I am working on my credit in order to purchase a home by the end of this year. I paid off an open line of credit and it made my credit score with equifax drop 7 points. Also a charged off account that was deleted this month did not make my score increase at all. On my Transunion report the account was deleted as well and score increased 65 points. Is this accurate I am totally confused at this point.

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Where are you getting your scores?

[MSBEHAVIN101]

I get the equifax from myfico. I called them and they stated that the account that was deleted would not trigger an alert because it's no longer affecting my score. It was a charged off account hitting every month so I am sure it should have increased at least a little. I used credit karma for the transunion I know it's a fako score but it's usually within 10 points of actual score.

[pisspoorcredit]

The charge off acct that was deleted...why was it deleted? Do the accounts also show for other 2 CRA's besides TU?

[MSBEHAVIN101]

The charge off account hit the 7 year mark and was removed. It was listed on my equifax and TU and is now deleted from both.

[Shogun]

With it falling off, it wouldn't trigger an alert.  But if you had your score setting set and it triggered a significant enough change, then you could get an update.

But it did make your CR cleaner, and to me that's a big deal.

[MSBEHAVIN101]

Yes I agree it did make my report cleaner and I am excited about that. By update do you mean ordered a new report and score through them?

[Shogun]

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@MSBEHAVIN101 wrote:
Yes I agree it did make my report cleaner and I am excited about that. By update do you mean ordered a new report and score through them?

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I was assuming from your post that you have scorewatch.

[MSBEHAVIN101]

Yes I do have scorewatch. The last updated report I actually had pulled through them was from 5/7/14. Due to this will the score that it is showing be accurrate since it didn't trigger and alert.

[Shogun]

Do you have the alert set to your current score?  By doing this, any change should trigger an alert.