Report changes

[Anonymous]

Im waiting for Equifax to remove a paid medical collection i disputed during the hippa process...The recieved to green card 7th of March--How soon will myfico alert me of a score change, so that I know something happened or not----This was my last and only collection on this report, and I have no other baddies at all on my report.......

I did receive a score alert 631 to 636.. It said it was possibly due to an inq made on my report(from mortgage company).....I know inq dont increase your score, but I know if this was them removing that collection I should have gotten a bigger increase than 5 points--My EX fico is 70!

Also, this was not disputed using a free report....And should call Equifax tomorrow, if nothing has happened?

[Anonymous]

bump

[llecs]

Generally, SW won't alert you if a CA falls off, unless it picks up a score change. If the CA is verified, then you'll likely get alerted because the DOLA would probably change. I'd recommend using a CMS to check your EQ report daily. When it falls of, any alert would come 3 or so days later.

Don't rely solely on the reasons on the SW alerts. Both of us know that scores don't increase because of inquiries, but rather something else happened, like utilization maybe, that caused the change.

[Anonymous]

Ok....Im not able to pull my free annual credit report for whatever reason---So, is it ok, for me to contact equifax for the results of my dispute they recieved March 7----I didnt disupute using the free credit report, but one I got from here---Will they add 15 more days, when the its been 30days and the results should be in?

[llecs]

Do you have a CMS like creditchecktotal where you can pull your reports daily?

I guess you can call. I called once and they were fast to respond and friendly. I've read where others inquired about a dispute and had more time tacked on. It may take the full 45 even if you didn't call. I probably would if I didn't have access to EQ.

[Anonymous]

I only have a cms that pulls exp daily--Im going to call later today if they havent already mailed me something

[Anonymous]

Whats the number for EQUIFAX

[Anonymous]

So I coulnt wait for results to come in mail, so i pulled my EQ to see if med ca was deleted---It was GONE!!!!

I dont get an alert about my score change, but it went from 636 -697

I dont understand why My equifax is not high  like my Exp fico, which was 720...When I last looked--

I have no baddies at all on both---My amex card from 3 months ago wasnt posted on the fico Exp when  I pulled from here but, when I went to go apply for mortgage lendor also gave me the same fico scores I had...And Im sure when he said my Exp  fico was 731 my amex card was on there by this time..

Could it be that i have a little balance on all cards right now(which will go down to 1 in a week)...But this couldnt be it because the same would apply to both credit reports showing my current balances...I just new I would be in 700s when that last collection was removed.

[haulingthescoreup]

Congrats on losing the CA!

What is on screen 2 of your EQ report --the positives and negatives? And what is showing on your Credit-at-a-Glance screen?

[Anonymous]

Negatives Your newest account was opened
3 Months ago FICO High Achievers [?] opened their most recent account 27 months ago, on average. Your oldest account was opened
4 Years, 5 Months ago FICO High Achievers [?] opened their oldest account 19 years ago, on average. Average age of your accounts
1 year Most FICO High Achievers [?] have an average age of accounts between 6 and 12 years. Number of your accounts carrying a balance
4 accounts FICO High Achievers [?] have an average of 3 credit accounts carrying a balance.

 POSITIVES

Number of your accounts with a missed payment
0 accounts About 93% of FICO High Achievers [?] have no missed payments at all. But of those who do, the missed payment happened nearly 4 years ago, on average.2.                               You helped your FICO score by paying your bills on time. Staying current with your bills will continue to help your score.3.                               You've limited the use of your available credit. Ratio of your revolving balances to your credit limits
8% For FICO High Achievers [?], this ratio is 7%, on average.4.                               Your FICO score evaluates your total revolving account [?] balances in relation to your total credit limits on those accounts. Your FICO score was helped because you've kept this ratio of balances to credit limits low.5.                               You've shown recent use of credit cards.  Your FICO score evaluates your mix of credit cards [?], installment loans and mortgages. People who demonstrate responsible use of different types of credit are generally less risky to lenders. You helped your FICO score by showing recent use of a credit card.  Credit At-A-Glance Total past due [?] Credit history [?] Late payments [?] No accounts past due 4 Years 0   Total balance of   Your revolving accounts [?] $422   Your mortgages [?] None   Your installment loans [?] $13,153    Total number of   Accounts [?] 6   Accounts with balances [?] 4   Accounts opened in past year [?] 4   Recent inquiries [?] 4   Collections [?] 0   Public Records [?] 0