No alert for deleted collection!

[Anonymous]

Isn't an alert for an account that was deleted a standard feature? I have not received an alert for an account deleted yesterday by Equifax.

[Revelate]

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@Anonymous wrote:
Isn't an alert for an account that was deleted a standard feature? I have not received an alert for an account deleted yesterday by Equifax.

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Wasn't with Scorewatch either and to my knowledge it's the same monitoring from EQ (heck my old SW score tracking is in the new 3B monitoring no less); didn't track my tax liens as they came off but I got the new score in the next balance update.  My report is non-trivially busy with 9 credit cards with varying balances and a couple of installment loans ticking down on autopay, so in my case wasn't a big deal at least as it's ~1 week till any given lender report date.

[Anonymous]

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@Revelate wrote:

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@Anonymous wrote:
Isn't an alert for an account that was deleted a standard feature? I have not received an alert for an account deleted yesterday by Equifax.

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Wasn't with Scorewatch either and to my knowledge it's the same monitoring from EQ (heck my old SW score tracking is in the new 3B monitoring no less); didn't track my tax liens as they came off but I got the new score in the next balance update.  My report is non-trivially busy with 9 credit cards with varying balances and a couple of installment loans ticking down on autopay, so in my case wasn't a big deal at least as it's ~1 week till any given lender report date.

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An account deletion is a major change and should a standard alert. What if a good-standing account was mistakenly deleted? You wouldn't know!

[Anonymous]

Good luck with that. I had a judgement deleted last week and still waiting for it to change. Good reason to cancel, as credit karma updated the day after it was deleted, and I'm not even paying anything for it. RIDICULOUS!

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@Anonymous wrote:

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@Revelate wrote:

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@Anonymous wrote:
Isn't an alert for an account that was deleted a standard feature? I have not received an alert for an account deleted yesterday by Equifax.

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Wasn't with Scorewatch either and to my knowledge it's the same monitoring from EQ (heck my old SW score tracking is in the new 3B monitoring no less); didn't track my tax liens as they came off but I got the new score in the next balance update.  My report is non-trivially busy with 9 credit cards with varying balances and a couple of installment loans ticking down on autopay, so in my case wasn't a big deal at least as it's ~1 week till any given lender report date.

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An account deletion is a major change and should a standard alert. What if a good-standing account was mistakenly deleted? You wouldn't know!

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[Anonymous]

Relevate - You are correct on both counts. It was never a feature of ScoreWatch and the EFX credit monitoring is used in 3B Monitoring product.

Also, NONE of the 3 CRAs provide alerts for the account removal/deletion from a person's credit file. I'm told that the reason for this is that once an item is removed from the report, a consumer no longer has the ability to dispute that item. Which seems to make sense - you can't dispute an item that's no longer on your report - only items on the report. While you will wind up receiving a score that could reflect the change in your report from a negative account being removed as a result of some other monitored trigger, alerts for account removal do not currently exist. 

Thanks,

Karin

p.s.  If an account was deleted by "accident" (which I have never seen, but theoretically possible), you would simply go back to the merchant to request they send your file to the bureau to ensure it's accurately recorded.

[Anonymous]

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@Anonymous wrote:

Relevate - You are correct on both counts. It was never a feature of ScoreWatch and the EFX credit monitoring is used in 3B Monitoring product.

Also, NONE of the 3 CRAs provide alerts for the account removal/deletion from a person's credit file. I'm told that the reason for this is that once an item is removed from the report, a consumer no longer has the ability to dispute that item. Which seems to make sense - you can't dispute an item that's no longer on your report - only items on the report. While you will wind up receiving a score that could reflect the change in your report from a negative account being removed as a result of some other monitored trigger, alerts for account removal do not currently exist. 

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I thought you advertised your ability to monitor FICO SCORES, not monitor report-dispute-ability!  No wonder your service is so sub-par, you don't know what your own service is supposed to do.

[Anonymous]

Had a collection come off that dropped my score significantly when it hit. It was removed but myFICO never showed my score going back up. However, I have a balance go from 20% to 5% and my score dropped 14 more points. Something isn't right.

[lisat009]

Me too! I had a collection that just got deleted from EQ 2 weeks ago but never got an alert fromthe deletion. weird.