topic Re: Negative Information Removed in Understanding FICO® Scoring

Negative Information Removed

amfetamyne — Wed, 10 Apr 2024 22:08:32 GMT

Hello!

So, I continue to move forward on this credit journey and watch my scores closely as I continue to rebuild from poor choices made previously. Recently, I've been getting notices via email that "a delinquent/past due account was recently removed from your report."

What does that mean? And these emails don't tell you which negative information was removed. How do I determine what it was that was taken off? And why don't I see a bump in my scores as a result?

Does anyone have any insight? Thanks in advance!

Re: Negative Information Removed

FicoMike0 — Wed, 10 Apr 2024 22:59:38 GMT

Who sent you the email? If it was credit karma log in there. If it was santa, consider it a gift.😆😆

Re: Negative Information Removed

FlaDude — Thu, 11 Apr 2024 01:10:41 GMT

Have to agree with @FicoMike0, who sent the emails? I assume you have some kind of credit monitoring account with them, you'll need to login to the account and see what alerts are there.

In any case if you have multiple similar derogs, the score jump will happen when the last one drops off. For example if you have 5 90 day lates around the same time, you won't see much change when the first 4 drop off. When the fifth one drops off and you don't have any 90 day lates from that timeframe, you will see the score improvement.

Re: Negative Information Removed

FireMedic1 — Thu, 11 Apr 2024 12:36:18 GMT

Whoever sent the email. Login and you'll see the changes. If its CK. Click on "see whats changed"

Re: Negative Information Removed

amfetamyne — Thu, 11 Apr 2024 12:56:16 GMT

@FicoMike0 wrote:
Who sent you the email? If it was credit karma log in there. If it was santa, consider it a gift.😆😆

Sorry...to be clearer, these emails are from MyFICO itself. I have a subscription to the credit reporting and monitoring feature.

Re: Negative Information Removed

amfetamyne — Thu, 11 Apr 2024 12:59:55 GMT

@FireMedic1 wrote:
Whoever sent the email. Login and you'll see the changes. If its CK. Click on "see whats changed"

No, it's from MyFICO. Then when you look at the Member Dashboard and Alerts, you'll see an alert that says "A delinquency/past due account was removed from your credit report" but it doesn't tell you WHICH delinquency/past due account it was that was updated.

Re: Negative Information Removed

amfetamyne — Thu, 11 Apr 2024 13:01:21 GMT

@FlaDude wrote:
Have to agree with @FicoMike0, who sent the emails? I assume you have some kind of credit monitoring account with them, you'll need to login to the account and see what alerts are there.

In any case if you have multiple similar derogs, the score jump will happen when the last one drops off. For example if you have 5 90 day lates around the same time, you won't see much change when the first 4 drop off. When the fifth one drops off and you don't have any 90 day lates from that timeframe, you will see the score improvement.

These are from MyFICO itself.

OK, that helps (regarding when the score update will occur). Still curious as to what the change was. That's also unclear.

Re: Negative Information Removed

CorpCrMgr1 — Thu, 11 Apr 2024 14:10:21 GMT

@amfetamyne MyFICO doesn't allow you to see your past CR? Even only a month or two back would allow you to find out the removed account.

Re: Negative Information Removed

amfetamyne — Thu, 11 Apr 2024 16:06:37 GMT

I do pay for credit reports from MyFICO. But since these changes sometimes occur between the report updates (which take place on the 16th of each month for me). So I'll have the previous month's report, but still no idea of the change until the report updates on the 16th-17th of the month.

Re: Negative Information Removed

CYBERSAM — Thu, 11 Apr 2024 16:18:45 GMT

Just compare your last month report to this month report or see what account is missing from your negatives!

Re: Negative Information Removed

ForwardLooking — Thu, 11 Apr 2024 18:39:49 GMT

@CorpCrMgr1 wrote:
@amfetamyne MyFICO doesn't allow you to see your past CR? Even only a month or two back would allow you to find out the removed account.

I've gotten these messages too. I think what @amfetamyne is referring to is that the message itself is generic and provides no details other than something like a late was removed. You have to either go to the bureau to get a current report to see what changed or just wait for the next report cycle with MyFico. Other messages from MyFico often include more details, such as an account and balance details.

Re: Negative Information Removed

amfetamyne — Thu, 11 Apr 2024 18:53:29 GMT

@ForwardLooking wrote:
@CorpCrMgr1 wrote:
@amfetamyne MyFICO doesn't allow you to see your past CR? Even only a month or two back would allow you to find out the removed account.
I've gotten these messages too. I think what @amfetamyne is referring to is that the message itself is generic and provides no details other than something like a late was removed. You have to either go to the bureau to get a current report to see what changed or just wait for the next report cycle with MyFico. Other messages from MyFico often include more details, such as an account and balance details.

That's exactly what I'm referring to.

Re: Negative Information Removed

ForwardLooking — Thu, 11 Apr 2024 20:28:46 GMT

@amfetamyne wrote:
@ForwardLooking wrote:
@CorpCrMgr1 wrote:
@amfetamyne MyFICO doesn't allow you to see your past CR? Even only a month or two back would allow you to find out the removed account.
I've gotten these messages too. I think what @amfetamyne is referring to is that the message itself is generic and provides no details other than something like a late was removed. You have to either go to the bureau to get a current report to see what changed or just wait for the next report cycle with MyFico. Other messages from MyFico often include more details, such as an account and balance details.
That's exactly what I'm referring to.

I guess I am confused on what you are referring to exactly? A generic message that simply says something was removed with no further details provides no information other than something was removed. I have recieved a few of these during my rebuild and understand the frustration in knowing that something has changed, but not knowing what exactly changed. I either had to wait up to a month for MyFico to pull another report to see what was changed, or I had to go pull a report directly from the bureau if I did not want to wait. Other messages contain details though, so I think the OP's original question is why can't these generic messages contain more detail too.

Re: Negative Information Removed

FireMedic1 — Sat, 13 Apr 2024 13:41:57 GMT

You could also go on annualcreditreport.com and get your real reports. Compared them to your last 3B pull. You'll see what what was deleted.