Reply
Regular Contributor
sh9730
Posts: 150
Registered: ‎01-30-2008

CRAs to Fico - Any delay?

Im sure this has been asked, but when I search I get alot of close stuff but not this exactly.  I disputed some innacurate information on EX and they are deleting the tradeline.   If I were to do a new MFYFICO pull would that show up immediately as soon as it doesnt show up on the hard copy from the CRA?  Or is there a delay to updated information from the CRA to show up here?

Thanks
Moderator Emeritus
ByrdMan
Posts: 7,975
Registered: ‎12-19-2007

Re: CRAs to Fico - Any delay?

Hi sh9730, once the tradeline is deleted, then it will show up on your myfico EX report. There is no delay. FICO scoring is dynamic (at work 24/7).
___________________________________________________________________
Do what is true in spite of the consequences--your future is only as true as you are.
Regular Contributor
sh9730
Posts: 150
Registered: ‎01-30-2008

Re: CRAs to Fico - Any delay?

Thanks.  We ll see...I disputed some innacurate date reports on a really old repo (Ex showed a 90 day late on a repo from 2001!  Im sure it was the JDB that somehow got it done in an attempt to re age since the other CRAs didnt have it wrong), Anyway EX  made some changes that were more accurate but not exactly right...(which caused a 9 point drop in FICO), so I called just to confirm the drop of date...rep on phone says....today! I think since it was gonna come off in April anyway she was just gonna override rather than try and reinvestigate again....we ll see! 
 
Another question?  Probably should be another post...but the JDB still has the coll account showing with a scheduled drop off date in April....with the OC TL dropping off...but the CA coll account still there, will I get a score bump at all?  Or not til April?
Moderator Emeritus
Timothy
Posts: 9,252
Registered: ‎03-19-2007

Re: CRAs to Fico - Any delay?

Actually-
I have seen upto a 3 day delay from it being "pending delete" and deleted- with the same delay in FICO
 

 

ByrdMan wrote:
Hi sh9730, once the tradeline is deleted, then it will show up on your myfico EX report. There is no delay. FICO scoring is dynamic (at work 24/7).


Moderator Emeritus
ByrdMan
Posts: 7,975
Registered: ‎12-19-2007

Re: CRAs to Fico - Any delay?



Timothy wrote:

Actually-

I have seen upto a 3 day delay from it being "pending delete" and deleted- with the same delay in FICO

 


 





ByrdMan wrote:
Hi sh9730, once the tradeline is deleted, then it will show up on your myfico EX report. There is no delay. FICO scoring is dynamic (at work 24/7).









Sounds like the operative words being pending delete. Once it is GONE, there should not be a delay in the score impact.
___________________________________________________________________
Do what is true in spite of the consequences--your future is only as true as you are.
Regular Contributor
sh9730
Posts: 150
Registered: ‎01-30-2008

Re: CRAs to Fico - Any delay?

Any thoughts on that second question I asked?
 
"Another question?  Probably should be another post...but the JDB still has the coll account showing with a scheduled drop off date in April....with the OC TL dropping off...but the CA coll account still there, will I get a score bump at all?  Or not til April? "
Moderator Emeritus
ByrdMan
Posts: 7,975
Registered: ‎12-19-2007

Re: CRAs to Fico - Any delay?

Hi sh9730, I wouldn't expect a big bump in score until that JDB is gone.
___________________________________________________________________
Do what is true in spite of the consequences--your future is only as true as you are.

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+