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it depends on when the CRAs report it to myfico....
Dhaval wrote:
Yesterday, Verizon deleted a charge off from my credit report. I have an accout with truecredit.com and I updated my score but I didn't see any change in my score. before charge off as bad debt was reported my score was 711 and after it was 635. after paying the charge off my score is 660. I am not sure how much increase I will have but does it take long time for credit score to be updated? or does it do it right away or do i have to wait at the end of the month?
I always assume a two month delay from an action I take to a CRA posting result.
First, the creditor has to post to the CRA, and when they post is only once monthly, not daily. It costs them a lot of manpower and bucks to report to the CRAs. So they do it once a month, at best.
Then the CRA has to post their data to their files.
Never assume that an action will show in your CR for at least two months, to be safe.