Reply
Regular Contributor
Posts: 170
Registered: ‎03-04-2007
0

I Don't Understand!

[ Edited ]
Well I had 2 Collections on my TU report get deleted, I just pulled new report/score from myfico accounts are gone score no change!. WHY? they were not CC's, or auto loan just a phone bill and a sat tv bill.


Message Edited by dekrist on 04-29-2007 09:53 AM
Moderator Emeritus
Posts: 5,436
Registered: ‎03-10-2007
0

Re: I Don't Understand!

Now THAT is strange
Regular Contributor
Posts: 170
Registered: ‎03-04-2007
0

Re: I Don't Understand!

One good thing though i disputed 6 inquiries on EQ about a week ago now gone! no love for that either. they were one year old for auto loan. now to do 6 more had 30 total OUCH!.
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
0

Re: I Don't Understand!

Inquiries over 12 months no longer count against you. Plus, inquiries have very little impact on your score so the risks involved (fraud alert) are not worth it, IMO.
 
You should have def gained some points no matter if the accounts were installment or revolving. A collection is a collection. I am sure the 0 point gain is attributed to the recent quirkiness over at TU.
 
 
Regular Contributor
Posts: 170
Registered: ‎03-04-2007
0

Re: I Don't Understand!

[ Edited ]
Okay thanks, I was just livid when i saw no love from TU.  You are probably correct with the issues at TU, i'm just impatient and want to see results. Inquires i thought were 2 years but if not worth it then i won't waste time. I had 14 out of the 30 inquiries when i got my auto loan from the dealer doing his lender search.


Message Edited by dekrist on 04-29-2007 10:29 AM

Message Edited by dekrist on 04-29-2007 10:30 AM
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
0

Re: I Don't Understand!

Remember, inquiries can still show on your reports for up to two years, but FICO only shows and calculates them within the last 12 months.
New Contributor
Posts: 69
Registered: ‎03-07-2007
0

Re: I Don't Understand!

do you still have other collections on your report that are more recent than those that were deleted? If so, that would explain it. If not, then that is very wierd.
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.