Reply
Established Member
Posts: 19
Registered: ‎05-14-2007
0

TU scoring on MyFico...????

Okay, so a week ago my FICO score for TU was listed as 614.
 
Late last week, two collections accounts were deleted (after payoff as per a prior agreement with the CAs).  So I figured this would have to help my score (they were fairly recent -- >12 months old inquiries, too).
 
I updated my score, and today?
 
614
 
What gives?  Wouldn't the removal of negatives like this help at least a little bit?  There no NEW information or updates in that time, so why wouldn't the score take at least a slight bump?
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
0

Re: TU scoring on MyFico...????

Did you pay for an updated score?
Established Member
Posts: 19
Registered: ‎05-14-2007
0

Re: TU scoring on MyFico...????

Yes, updated through MyFico just this morning.
Super Contributor
Posts: 8,195
Registered: ‎03-25-2007
0

Re: TU scoring on MyFico...????

Are the deleted accounts still on the report or have they gone?
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Highlighted
Established Member
Posts: 19
Registered: ‎05-14-2007
0

Re: TU scoring on MyFico...????

neither account shows up.  A review of my credit report shows that they are both off the report with not trace whatsoever.
 
These were both medical collections, so they had no relevant TL they were related to.  Other than that, they were a collection account like any other.  There last week, gone this week.  FICO no change.
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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

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.