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Will my score go up with Deleted Judgement and deleted Charge off?

Regular Contributor

Will my score go up with Deleted Judgement and deleted Charge off?

I was succesful in removing 2 items from my credit report this month. 1 was a judgement (from 2003) and the other is a Charged off Credit card from (2006 IIRC). 

 

My question is: Should I see my credit score go up with the deletion of these 2 items? If so how long does it usually take for the score to be recalculated? The items are no longer appearing on any of the reporting Credit Beraus but my scores have remained the same. 

EQ: 678 TU: 712 EX: 730 - 8/2/2013
EQ: 677 TU: 683 - 04/07/12
EQ: 560 TU: 591 EX: 581 - 12/29/08
Message 1 of 5
4 REPLIES
Moderator Emeritus

Re: Will my score go up with Deleted Judgement and deleted Charge off?

The FICO score change is immediate. Where did you pull your scores from?
Message 2 of 5
Regular Contributor

Re: Will my score go up with Deleted Judgement and deleted Charge off?

I pulled it from Credit Check Total.
EQ: 678 TU: 712 EX: 730 - 8/2/2013
EQ: 677 TU: 683 - 04/07/12
EQ: 560 TU: 591 EX: 581 - 12/29/08
Message 3 of 5
Moderator Emeritus

Re: Will my score go up with Deleted Judgement and deleted Charge off?

CCT doesn't sell FICO scores, but rather their own score via EX called a PLUS score. Ignore that score. If you were to pull your FICO scores then you'd see that change.

PLUS scores are a terrible predictor of what your FICO score will or won't do. For example, my last CA was removed off of EX over the summer. My FICO score jumped 58 points. My FAKO PLUS score dropped 8 points. Go figure.
Message 4 of 5
Regular Contributor

Re: Will my score go up with Deleted Judgement and deleted Charge off?


llecs wrote:
CCT doesn't sell FICO scores, but rather their own score via EX called a PLUS score. Ignore that score. If you were to pull your FICO scores then you'd see that change.

PLUS scores are a terrible predictor of what your FICO score will or won't do. For example, my last CA was removed off of EX over the summer. My FICO score jumped 58 points. My FAKO PLUS score dropped 8 points. Go figure.

Thanks for the info. After doing a little more reading I figured that the score isn't something I want to religously use to follow my score but more of a tool to check accuracy and what not.

 

I guess I will just wait it out and see what next month has to offer after I hopefully get a few more items removed.  Time to send out some more PFD's and see what else I can remove.

 

Goal for 09 is to buy a house.

Message Edited by GLIGUY23 on 02-23-2009 01:49 PM
EQ: 678 TU: 712 EX: 730 - 8/2/2013
EQ: 677 TU: 683 - 04/07/12
EQ: 560 TU: 591 EX: 581 - 12/29/08
Message 5 of 5