Fico

[Anonymous]

Hi Guys and Gals,

I wanted to know, how long does it take for myfico.com to update a correct score once Equifax, Experian, TU have deleted incorrect information?

Does it take several days before the NEW score is calculated?  or is it done automatically?

Thank you

[haulingthescoreup]

Your score doesn't exist unless/ until someone pulls it. Whatever info is on your reports creates your score.

So if you are absolutely certain that the reports have the new info, if you pull scores, they will be calculate from the changed info. But just because they announce that they're going to do it, this doesn't mean that it has happened yet.

[Anonymous]

Hi,

the reason i ask is becoz i just got my disputes back and many of my accts have gotten deleted and i only have one more to wrk on but my equifax is still showing the ssme score it did prior to receiving the results?

[haulingthescoreup]

If you have multiple derogatories (or had --congrats!), your score is driven by the most recent/ the most severe/ the most frequent.

So for instance, if someone had 5 collections, and four were deleted but the most recent collection were still there, their score might well not change.

What did you have on your reports, what have you gotten rid of, and what's still there? And how does the remaining stuff compare with the removed stuff? (dates, severity, and so forth)