Score didn't increase:( ???

Trott · ‎05-02-2016

my score went down 35'points to .697 because a late payment was listed in error. The company,sent something to Equifax Friday to remove it. I just pulled my credit report, it is gone, but my Fico score remained the same on this site? Is there a lag in it updating? Also, on Equifax, my score shows 760,'on my Fico.com shows 697 for Equifax? Which will be more accurate for what a lender sees?

Anonymous · ‎05-02-2016

Removal of a negative is not a trigger, (score update), event.

RonM21 · ‎05-02-2016

It will rebound the next time it updates. At least it should.

Total CL: $321.7k

UTL: 2%

AAoA: 7.0yrs

Baddies: 0

Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

takeshi74 · ‎05-03-2016

@Anonymous wrote:
Removal of a negative is not a trigger, (score update), event.

This.

If you're using myFICO monitoring then be aware that it is a trigger based service. Not all activity with a scoring impact is a trigger. See also:

http://myfico.custhelp.com/app/answers/detail/a_id/463/~/understanding-what-triggers-fico%C2%AE-3-bureau-credit-monitoring-and-fico%C2%AE-identity

If you want a service wiht fixed update intervals then myFICO is the wrong tool for the job.