MyFICO Score Variances

[BMW_328i]

Hello, Hope all is well on your end. I have a question regarding how scores are updated on myFICO. Here's the timeline:

3/10- I disputed a collection item ($57) on TU and it was deleted the next day.

4/6- My new Citi card posted to all three credit bureaus and I observed the following increases: EQ +67 TU +13 EX +58

4/6- I disputed a collection item ($127) on TU

4/13- MyFICO scores were EQ 549 TU 487 EX 534

4/15- I called TU to check the status of my dispute and they informed me that it was removed from my account "today". Today, 4/15, is also my subscription date, so my reports updated on the app.

I usually get the alerts when there are changes but since this collection was deleted today, I think the increase was somehow supressed.  Even though the collection is small, I should have seen a significant score increase comparable to the others.  FYI, this wasn't the last collection- it left me with one more to take care of.

So, in short, either TU or MyFICO is providing incorrect data but I don't know how to fix this issue. I have spent the greater part of this afternoon on the phone with both parties that yielded nothing. I know I'm not crazy and do realize there always a slight variance in scores (1-20 points). However, my TU and EX tradlines are exactly the same, thus there shouldn't be a 47 point difference.

If anyone could advise me I would appreciate it!

Best,

[BMW_328i]

3/10- I disputed a collection item ($57) on TU and it was deleted the next day.

4/6- My new Citi card posted to all three credit bureaus and I observed the following increases: EQ +67 TU +13 EX +58

4/6- I disputed a collection item ($127) on TU

4/13- MyFICO scores were EQ 549 TU 487 EX 534

4/15- I called TU to check the status of my dispute and they informed me that it was removed from my account "today". Today, 4/15, is also my subscription date, so my reports updated on the app.

I usually get the alerts when there are changes but since this collection was deleted today, I think the increase was somehow supressed.  Even though the collection is small, I should have seen a significant score increase comparable to the others.  FYI, this wasn't the last collection- it left me with one more to take care of.

So, in short, either TU or MyFICO is providing incorrect data but I don't know how to fix this issue. I have spent the greater part of this afternoon on the phone with both parties that yielded nothing. I know I'm not crazy and do realize there always a slight variance in scores (1-20 points). However, my TU and EX tradlines are exactly the same, thus there shouldn't be a 47 point difference.

If anyone could advise me I would appreciate it!

Best,

[Trudy]

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@BMW_328i wrote:

Hello, Hope all is well on your end. I have a question regarding how scores are updated on myFICO. Here's the timeline:

3/10- I disputed a collection item ($57) on TU and it was deleted the next day.

4/6- My new Citi card posted to all three credit bureaus and I observed the following increases: EQ +67 TU +13 EX +58

4/6- I disputed a collection item ($127) on TU

4/13- MyFICO scores were EQ 549 TU 487 EX 534

4/15- I called TU to check the status of my dispute and they informed me that it was removed from my account "today". Today, 4/15, is also my subscription date, so my reports updated on the app.

I usually get the alerts when there are changes but since this collection was deleted today, I think the increase was somehow supressed.  Even though the collection is small, I should have seen a significant score increase comparable to the others.  FYI, this wasn't the last collection- it left me with one more to take care of.

Alerts are seldom if ever timely, on the day it happens.  TU being the latest to provide alerts for many.  

Considering it was just removed today, it will likely still take some time to actually update your file to impact the score.  You will likely get an alert (although days after the actual score change) before your next report. Although TU could have provided incorrect information regarding a removal, it is unlikely MyFICO is incorrect, just has not updated your score yet.  

Give it some time. 

So, in short, either TU or MyFICO is providing incorrect data but I don't know how to fix this issue. I have spent the greater part of this afternoon on the phone with both parties that yielded nothing. I know I'm not crazy and do realize there always a slight variance in scores (1-20 points). However, my TU and EX tradlines are exactly the same, thus there shouldn't be a 47 point difference.

If anyone could advise me I would appreciate it!

Best,

---

[Trudy]

3/10- I disputed a collection item ($57) on TU and it was deleted the next day.

4/6- My new Citi card posted to all three credit bureaus and I observed the following increases: EQ +67 TU +13 EX +58

4/6- I disputed a collection item ($127) on TU

4/13- MyFICO scores were EQ 549 TU 487 EX 534

4/15- I called TU to check the status of my dispute and they informed me that it was removed from my account "today". Today, 4/15, is also my subscription date, so my reports updated on the app.

I usually get the alerts when there are changes but since this collection was deleted today, I think the increase was somehow supressed.  Even though the collection is small, I should have seen a significant score increase comparable to the others.  FYI, this wasn't the last collection- it left me with one more to take care of.

Alerts are seldom if ever timely, on the day it happens.  TU being the latest to provide alerts for many.  

Considering it was just removed today, it will likely still take some time to actually update your file to impact the score.  You will likely get an alert (although days after the actual score change) before your next report. Although TU could have provided incorrect information regarding a removal, it is unlikely MyFICO is incorrect, just has not updated your score yet.  

Give it some time. 

So, in short, either TU or MyFICO is providing incorrect data but I don't know how to fix this issue. I have spent the greater part of this afternoon on the phone with both parties that yielded nothing. I know I'm not crazy and do realize there always a slight variance in scores (1-20 points). However, my TU and EX tradlines are exactly the same, thus there shouldn't be a 47 point difference.

If anyone could advise me I would appreciate it!

Best,

[BMW_328i]

Would this still be the case given my 4/15 credit reflected the $127 collection removed? I appreciate you feedback. Thanks

[Trudy]

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@BMW_328i wrote:
Would this still be the case given my 4/15 credit reflected the $127 collection removed? I appreciate you feedback. Thanks

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Hmm, if the collection no longer appears on the 4/15 MyFICO 3B report than I would guess there is nothing to be gained.  It should not be delayed unless someone hear can chime in and explain when collections update, which I don't know.  For example, an inquiry reaching 1 year (no longer scorable) does not give you the pts back until the 1st Saturday of the following new month on EX.  Not sure if collections have a delayed response with any bureau.