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Bad Item Removed - Score Didn't Change!

Frequent Contributor

Bad Item Removed - Score Didn't Change!

My last bad item from Transunion was removed, leaving me with 0 baddies and no lates.

 

My vantage was 720 with the baddie and remains 720 with it gone.

 

Baddie had virtually no age (6 months).

 

Is this normal?

Ch7 Discharge: 5/14/2016 | 8/15/2016 scores: EQ 631 | TU 624 | EX 641
Message 1 of 4
3 REPLIES
Super Contributor

Re: Bad Item Removed - Score Didn't Change!

You are talking about a FAKO score ~ these scores have their own scoring formulas and do not behave like FICO scores much of the time.

I would recommend pulling your FICO score to see where you really stand.
March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 2 of 4
Valued Contributor

Re: Bad Item Removed - Score Didn't Change!

I agree with pizzadude.

 

My Vantage score went up 20 points in the last couple months but my Transcore has not moved.

 

I know they're both FAKOs but basically one has no correlation with another.

AMEX: $25,000, CSR: $10,000, Chase Priority Club: $1,500, Freedom: $5000, Freedom Unlimited: $1000, Discover: $21,000, BoA $11,000, WF Cash Wise: $5000

EQ FICO - 753
TU FICO - 755
EX FICO(AMEX) - 766
Message 3 of 4
Super Contributor

Re: Bad Item Removed - Score Didn't Change!

I would also ignore any advice that a FAKO score provider tells you to im porove your FAKO score.  Unless it is paying down CC debt and paying on time that is.

01/23/2018: FICO 829 EQ 827 TU 831 EX
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