@Anonymous wrote:
On my EQ I had two collection accounts reporting and due to dispute both have been removed - not just marked as CONSUMER DISPUTES like they were yesterday on my EQ report, today they are GONE. My husband paid a 3rd off today and they said they will remove it today but may take 30 days to get to reporting --- but ScoreWatch is showing NOTHING NEW. Should I run a new report today or wait until the system updates?!? After the third one is removed there will be NO MORE collections noted on my TU or EQ - is that when I might really see something jump? Please advise.
Congrats on today's deletion! SW does not alert to dropped accounts, only added ones. However, if your target score is correctly set and if your score moves away from or past that target score as a result of the deletion, then you'll get alerted. Know that your score is monitored every 7 days, though it's possible to get alerted sooner. IMO, I am a score junkie...I like to know now. I personally would pull.
@Anonymous wrote:
Additionally, I paid a credit card in full that had a 67% utilization last month and didn't see a jump. Why is there no progress? And is anyone having trouble with CAP ONE updating as timely as usual - it's always on there by the 21st and this month - NOTHING YET; maybe it's the whole "watched pot never boils" law in action?
When was the last statement date of this CC and was the payment credited before that statement date? CCs only update 1x/mo and it can be a challenge to time payments with reporting. CapOne is slow for me too.
