How is TrueCredit more updated than myFICO?

[diabla]

I got my updated information from TrueCredit this morning, which pulls the TU report, and it included a lot of recent deletions and updates.  So I got antsy and bought my FICO score again, (only TU), and it remains unchanged from 2 days ago.  I thought it would show a score change due to the updated TU report - and I got these updates from calling TU directly, so I know they are in the report.  Is myFICO delayed in their actual data pull from TU?  Had I known it wouldn't be different, I wouldn't have wasted another $20.

[Shogun]

When myFICO runs your score, it takes your current TU then runs it's algorithm.  myFICO has not control over what's on your TU report.  I have no idea why those items would still be listed on your CR report.  

[diabla]

My apologies!  I looked at it again and all of the updates from TU are there - I clicked on the wrong link.  I now have today's score, and a score from 10/28 - but they are both the same.  So the updates are there, but the score did not change.

So I take back what I said - the report is indeed updated.  I just expected the score to change, I had 4 recent collections deleted!  TrueCredit FAKO score went up 9 points.  Maybe FICO will go up in another week or so.  Maybe its too soon.

Thanks!

[Shogun]

The important thing to take from this is you have cleaned up 4 recent collections.  That's no small feat!   You really won't see a lot of growth on your scores until you're down to just a couple or few.  Then when those start coming off you'll see a good bump.  So keep going.

[Walt_K]

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@diabla wrote:

My apologies!  I looked at it again and all of the updates from TU are there - I clicked on the wrong link.  I now have today's score, and a score from 10/28 - but they are both the same.  So the updates are there, but the score did not change.

So I take back what I said - the report is indeed updated.  I just expected the score to change, I had 4 recent collections deleted!  TrueCredit FAKO score went up 9 points.  Maybe FICO will go up in another week or so.  Maybe its too soon.

Thanks!

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Unfortunately, it doesn't work that way.  The report is scored based on what is on the report.  It doesn't take more time after the removal to see a score increase.  So there are probably other baddies that are still holding you down.  Still, as Shogun said, this is a positive thing.  If you hadn't had these removed, then they would have been the things holding you down once you resolved the other items.  Keep moving forward.