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I had an account update this week...removing 2 90-day late paynments (1 about 15 months old, the other 3 years)--
My score didnt change at all. Not one point. I called MyFICO...they said it can take 7-10 days once info is changed for the calculation to show up in your score. Im pretty FICO savvy...never heard this before. Anyone else experience this? Is it really 7-10 days?
This is on a TU report I got on MyFICO. I pulled up report yesterday--derog still there...score 696. Today, pulled report....info gone....score still 696. I talked to 2 supervisors at MyFICo who said same thing....if info is changed by the lender on their own....no via a dispute....the info in report can change....but score may not for 7-10 days. I always assumed it changed instaly too.
This isnt a Scorewatch thing...I pulled full reports/scores.
Do you still have other serious derogs on your account? Collections? Charge offs? Judgements? 90 or 120 day lates more recent than those deleted?
If so it may just be that your score isn't going to change
One other thing to check is to make sure that all the accounts that were added to your BK are reporting correctly. None of them should say past due.
Another option would be to pull your TU score from Transunioncs and verify that the results are the same.
IMHO the MyFICO supervisor is wrong. Barry do you have a take on this.