Anyone else having issues with scoring updates?

[Anonymous]

I'm relatively new to the 3B scorewatch, so I thought I'd throw out the question. I pulled my reports on Feb 20...I've been working on some repair and fixes. According to EQ, I've had a 97 point increase since then (woohoo!!!) but only 13 pt increase from TU, and NOTHING reporting for EX. Are TU and EX typically lagging that much? The two major fixes were issues on all 3, so I would assume I'd have relatively the same increases...

Thanks for the help!

[Anonymous]

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@Anonymous wrote:

I'm relatively new to the 3B scorewatch, so I thought I'd throw out the question. I pulled my reports on Feb 20...I've been working on some repair and fixes. According to EQ, I've had a 97 point increase since then (woohoo!!!) but only 13 pt increase from TU, and NOTHING reporting for EX. Are TU and EX typically lagging that much? The two major fixes were issues on all 3, so I would assume I'd have relatively the same increases...

Thanks for the help!

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Yes,  there can be a lag as to when the creditor reports to the individual bureaus and items are removed.  In my case, I had medical collections removed 2 and 5 days respectively from EX & 'EQ.  It took nearly two weeks for the same on my TU.  Also, note that removal of accounts (collects,etc) from TU will not trigger an alert.  As for the score differences, I am not an expert on why there would be that much of a difference in scores?  

[cashnocredit]

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@Anonymous wrote:

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@Anonymous wrote:

I'm relatively new to the 3B scorewatch, so I thought I'd throw out the question. I pulled my reports on Feb 20...I've been working on some repair and fixes. According to EQ, I've had a 97 point increase since then (woohoo!!!) but only 13 pt increase from TU, and NOTHING reporting for EX. Are TU and EX typically lagging that much? The two major fixes were issues on all 3, so I would assume I'd have relatively the same increases...

Thanks for the help!

---

Yes,  there can be a lag as to when the creditor reports to the individual bureaus and items are removed.  In my case, I had medical collections removed 2 and 5 days respectively from EX & 'EQ.  It took nearly two weeks for the same on my TU.  Also, note that removal of accounts (collects,etc) from TU will not trigger an alert.  As for the score differences, I am not an expert on why there would be that much of a difference in scores?  

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EQ and EX creates alerts on "changes" to PRs and Collection accounts but back when I had EQ SW I did not get alerts when either of these were removed. It may be that the alerts only occur if there are changes and not removals. Someone with experience with the new monitoring in this area might provide their results.

[Anonymous]

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@cashnocredit wrote:

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@Anonymous wrote:

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@Anonymous wrote:

I'm relatively new to the 3B scorewatch, so I thought I'd throw out the question. I pulled my reports on Feb 20...I've been working on some repair and fixes. According to EQ, I've had a 97 point increase since then (woohoo!!!) but only 13 pt increase from TU, and NOTHING reporting for EX. Are TU and EX typically lagging that much? The two major fixes were issues on all 3, so I would assume I'd have relatively the same increases...

Thanks for the help!

---

Yes,  there can be a lag as to when the creditor reports to the individual bureaus and items are removed.  In my case, I had medical collections removed 2 and 5 days respectively from EX & 'EQ.  It took nearly two weeks for the same on my TU.  Also, note that removal of accounts (collects,etc) from TU will not trigger an alert.  As for the score differences, I am not an expert on why there would be that much of a difference in scores?  

---

EQ and EX creates alerts on "changes" to PRs and Collection accounts but back when I had EQ SW I did not get alerts when either of these were removed. It may be that the alerts only occur if there are changes and not removals. Someone with experience with the new monitoring in this area might provide their results.

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Cash

That is correct.  The product FAQs state that you will not get alerts for items removed; not just TU.  So in my case, medical collections came off, no alert (I knew that they were removed because I saw it on my Credit Karma account) but when I had a balance change on my account, my scores went up 100+ points, essentially baking into the cake both my balance decrease and the weight of the derogatory having been removed (remember, Fico has no memory).  

[Anonymous]

I appreciate the info everyone! I'm waiting for a few disputes to wrap up before I get a revised report, so we'll see. I am hoping the TU and EX follow suit soon!