Tell me not to do it!

[MontegoMack]

I had my one and only collection account fall off and now I want to see what my TU score is. The thing is that I just purchased a TU score just over a week ago when that collection was still on. There are a couple more items in dispute, so I know I should probably wait until the investigation is over. 

But I *REALLY*want to see what my score will be without the collection!

Please, please PLEASE advise!

[drkaje]

Seems like a waste of money.

You can see it's gone for free on Credit Karma and spend the $20 towards debt.

[llecs]

I'd do it if I wanted to know the FICO impact of removing 1 collection. In my repair days, I was pulling FICO scores 4-5-6x/mo and that helped with an understanding of how baddies, util, inquiries, added accounts, etc. impact your FICO. Now that all of that is over and we are a year into our new home, I only pull once every 2-3 mo.

[Anonymous]

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@MontegoMack wrote:

There are a couple more items in dispute, so I know I should probably wait until the investigation is over. 

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You'd be setting yourself up for disappointment.

So, don't do it. I'd just rather wait.

[Booner72]

As soon as I knew it was gone, I'd have bought it.  I have SW so it woulda been 14 bucks not 20.  I love to see what happens to the FICO when something major happens.  Being rebucketed to a clean report def warrants a new SW in my book.

[marty56]

I would do it.  Back in my rebuilding phase it gave me a big boost to see each CC card become PIF.  Gave me the strength to keep going.

[spengbab]

Don't do it. It takes time for stuff to show up on your CR. Waste of money. Credit Karma is a good idea though. I have a CK one and I update it like I have OCD.

[crunching_numbers]

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@spengbab wrote:

Don't do it. It takes time for stuff to show up on your CR. Waste of money. Credit Karma is a good idea though. I have a CK one and I update it like I have OCD.

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LOL! I update it every day just to see what payments  hit TU. I totally relate.

[RobertEG]

As I see it, if you still have a dispute flag in effect in your credit file, then FICO is not scoring your total file.  So the score you pulled a few days ago is not really "your score."

Thus, pulling another score now for comparison with that score may tell you something about the FICO algorithm, but not about the final impact of the collection removal on what is your actual score.

If the disputes werent pending, it would relate to your score.

With the dispute flag on, I dont see the usefulness other than for algorithm peeking.  I dont see that it will really be a comparison of "your scores."

[Scene]

We would tell you not to do it but you would probably do it anyways. So I remain indifferent in this situation.