Are collect and delinquency the same on myfico

[Anonymous]

I got a notification that a collection was removed (disputed one) and another notification saying a delinquent/past due account was removed. I have a charge off on my account as well. So since we don't get to see what account was removed should I assume it was one account or two?

[DIYcredit]

You probably had one collection account removed from your cr.Also you had one credit account removed, which the credit account contained about six moths of missed payments and was eventually charged off.

[RobertEG]

You can see what was or was not removed by ordering a new credit report.

[Anonymous]

I know but thats another $50 bucks. 

[Anonymous]

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@Anonymous wrote:

I know but thats another $50 bucks. 

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Grab Credit Karma and the Experian app. 

Credit Karma will give you weekly updates of TU and EQ for free, the Experian app will give you monthly updates of your Experian report plus your Experian FICO for free. 

Just ignore the scores from Credit Karma but it’s great for tracking your reports for free. 

[calyx]

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@Anonymous wrote:

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@Anonymous wrote:

I know but thats another $50 bucks. 

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Grab Credit Karma and the Experian app. 

Credit Karma will give you weekly updates of TU and EQ for free, the Experian app will give you monthly updates of your Experian report plus your Experian FICO for free. 

Just ignore the scores from Credit Karma but it’s great for tracking your reports for free. 

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To add to Saeren's response - Experian also does $1 7-10day free trials (Creditworks Premium membership), you can cancel (by "downgrading" to the free plan).  It will give you all three bureaus' FICO8s and credit reports.

[Anonymous]

You can actually get that same trial free the first time in the app, just go to scores or reports and tap on Transunion or Equifax and it will offer you a free 7-day. 

The ongoing is also $19.99 instead of $24.99 in the app too if you decide to keep it. 

[Anonymous]

Congratulations on the removals!

[Anonymous]

Thank everyone. I already use CK and Experian (with the mortgage score) and just added wallethub for the free tracking there too.