I just pulled my report from here and the score is the SAME! I have gotten collections deleted as well as utilzation down ans NOTHING. I am also not able to view the report due to it being "temporarily unavailable due to technical issues". I can understand that but what I can't understand is why on the front page where it shows my purchases the buy date is 5/29/09 but the view until date is the exact date as my previous pull which was on 3/26. Both have a view until dat until 4/7/10.
This has caused me to wonder if the score from 3/26/09 is even accurate. I need some answers!!!!!! 
Starting Score: EX:603
Good questions, aquatic1. First, it's not unusual to see changes on your report, such as collections removed and a slightly lower utilization percentage, without seeing a change in score. Every change on a report does not result in a score change. For example, if the collections that were removed were older than any collections remaining, you most likely did not gain anything - score-wise - from this change.
aquatic1 wrote:
I just pulled my report from here and the score is the SAME! I have gotten collections deleted as well as utilzation down ans NOTHING. I am also not able to view the report due to it being "temporarily unavailable due to technical issues". I can understand that but what I can't understand is why on the front page where it shows my purchases the buy date is 5/29/09 but the view until date is the exact date as my previous pull which was on 3/26. Both have a view until dat until 4/7/10.
This has caused me to wonder if the score from 3/26/09 is even accurate. I need some answers!!!!!!
As for why your view until date is the same as your report from a couple of months ago, this is what happens when you have either Score Watch or (in this case) FICO Quarterly Monitoring. It's one of the benefits of having a subscription product with myFICO.
No doubt your score is accurate. It will get better, though, if you keep doing the right things. So don't give up!
Thank you for your reply. Yesterday I spoke with a fantastic lady from myfico who helped me figure it all out. For some reason when I clicked on the view button, It was giving m a erro message but now that is not happening. I guess I was so shocked with the fact that all of my hard work and my score stayed the same. All of my bad debt happened within a few months of each other so I just assumed that gtting things deleted would show some improvement! but alas, I will keep chugging along and hope that the gw letters I have sent will work.
Again, thank you!
@Barry wrote:Good questions, aquatic1. First, it's not unusual to see changes on your report, such as collections removed and a slightly lower utilization percentage, without seeing a change in score. Every change on a report does not result in a score change. For example, if the collections that were removed were older than any collections remaining, you most likely did not gain anything - score-wise - from this change.
@aquatic1 wrote:I just pulled my report from here and the score is the SAME! I have gotten collections deleted as well as utilzation down ans NOTHING. I am also not able to view the report due to it being "temporarily unavailable due to technical issues". I can understand that but what I can't understand is why on the front page where it shows my purchases the buy date is 5/29/09 but the view until date is the exact date as my previous pull which was on 3/26. Both have a view until dat until 4/7/10.
This has caused me to wonder if the score from 3/26/09 is even accurate. I need some answers!!!!!!
As for why your view until date is the same as your report from a couple of months ago, this is what happens when you have either Score Watch or (in this case) FICO Quarterly Monitoring. It's one of the benefits of having a subscription product with myFICO.
No doubt your score is accurate. It will get better, though, if you keep doing the right things. So don't give up!
