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How long does it take for FICO to change after negatives drop off?

BethJ
Valued Member

How long does it take for FICO to change after negatives drop off?

Once the negative items and disputed collections drop off your CR and PFD items are deleted, how long does it take to reflect in your FICO scores?

 

 

03/16/2009 EQ 535 * EXP 581 * TU 586
7/13 EQ 616 * EXP 626 * TU 640
8/1 EQ 626 * EXP 640 *TU 603
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1 REPLY 1
Moderator Emeritus

Re: How long does it take for FICO to change after negatives drop off?

Immediately.

 

Your score is based on a snapshot of your CR at the time the score is requested. So, when you request the score, anything not on your report won't affect your score.

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