When FICO score and Credit Scores goes up?

[Anonymous]

In the past I file a dispute online and mail in the dispute with necessary proof.
I’m still dispute online and now upload documents so for as today I had five things deleted. I got notified of the item being deleted. I still pull my credit report it’s still on my credit report. When I spoke to live agent on phone told me the items are deleted but have to wait for next credit report Generate.

Now, if credit bureau agent is Lying that I have to wait for 30 days for new credit report to see these changes then I’m hurt...
In the past when I spoke directly to creditors they said have to wait for the credit bureaus get the information from us and the credit bureaus generate a new report every 30 days.

I have proof of notifications of the items are deleted based on which credit bureau I am dispute an item(s). I do keep them as I keep my old credit reports.

I still compare old, credit report from every year with current up to date credit report. I started to save my credit reports in 2003 all the up to this year. I do save on computer also print them out. I will have old credit reports as I save all my taxes filed until the day I die.

[Anonymous]

The credit bureau people have no clue how often a credit score is generated.  A credit score can change 3 times in a day, in fact I have had that happen to me -- one credit score was 704 at 5am, then it was 701 at 10am and then it was 699 at 3pm.  That's because my report changed 3 times in a day as companies updated their tradelines.

[Anonymous]

Please remember people have different experiences as my experience is always different from someone else.

I even read somewhere online and how some people try the same way of someone who had items deleted didn’t work for them. I don’t know if they were lying or had real bad credit and was finding the easy way out.
I can only share my experience cause I know what I been through. The reason I share the experience I used work for a bank and knew someone who handled credit report accounts of that bank of customers had loans, credit cards, etc.. I had three bank loans of the bank I used to work with and I move on that person was still working at the bank and when I dispute things. I get Updates of the item I disputed had been updated and when I check my credit report I saw things changed. Then I was told from credit bureaus the only way Iis to have proof such as copies of payment history of copy of statements or old credit report. So when I started to save proof from year from year and still disputing that person would not send information to credit bureaus to have those items deleted. Then I file a complaint with consumer protection agency send in proof. I got noticed from someone else from the loan serving department who will handled my complaint and did had send information to credit bureaus before I knew it those items were deleted cause they were old and paid off and pass the length of how long a credit bureaus supposed to keep it on credit report.

Let me say I call and speak with credit agent the first thing I ask on all of accounts is when that account scheduled to be removed. I will then look at all old credit reports and if I see an error for which I did this year. Being told some account scheduled for next year or longer. I will flip out then I will start send all the copies etc.
I dispute online it do take time for me which I don’t know why.
Speaking with creditors they all say to me send it in to us but we will look over of the accuracy with our information in our system. And I say it’s the information you send to credit bureaus so am I misreading or misunderstanding something.

[Anonymous]

Something is either accurate or it isn't.  I'm not sure what the gray area is here?  If something is inaccurately reported, you take it up with the creditor and they'll look into it and likely agree that it's inaccurate.  They then send an update (corrected reporting) to the bureaus.  If it isn't updated within a week or two (usually immediately) you can contact the bureau(s) and provide them with documentation of the update from the creditor yourself.  Again, the update at that point should be almost immediate, but could take a week or two.

[Anonymous]

Yesterday my credit score with Experian went up by 2 points after Four credit items was deleted. Now why only 2 points. I have only two debt in collection that I am unable to paid back plus those to items are schudele 2019 & 2020. The rest of my credit accounts are good standing for more 7 to 11 years and still counting but my scores are low with all three credit bureaus. I compare each three credit reports see all the same creditors will report different information on each account that are the same account on other credit bureaus. Why is that. I notice transUnion won’t have when credit accounts scheduled to be deleted on what month and year. With Experian and equifax have the same month and year of when the account is going to be deleted. I notice each three credit bureaus will have different payments history being reported as where Experian will have the whole year of 2010 blank and equifax have 2010 payment history mark as ok meaning paid on time. TransUnion will have a few month filled in payment dates and years then most of the years blank. I even dispute to have creditor to provide payment update smoothly should being reporting.

I don’t understand how have more good accounts in good standing and only two in collections and my score is poor on all three credit reports. It’s a good thing im fighting/disputing stuff be deleted if it don’t help my credit score to stay up or go up. I have only three in inquiries in 2017. Only two I apply for a loan twice and one inquiry which I never apply for that loan of an company I never heard off. The crazy part I have more soft inquiries that not supposed to have impact on credit score. That what it say on inquiries section

[Anonymous]

Do you have any open credit cards or installment loans?

[Anonymous]

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wrote:
Yesterday my credit score with Experian went up by 2 points after Four credit items was deleted. Now why only 2 points. I have only two debt in collection that I am unable to paid back plus those to items are schudele 2019 & 2020.

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Your score only went up 2 points because you still have major negative items (collections) present.  Your score will only go up significantly when your last major negative item is removed.  FICO scoring isn't done based on amount of accounts positive verses negative.  Your credit file is either seen as "clean" or "dirty."  All it takes is one major negative item to be present and you have a dirty file.  The amount of negative accounts (and positive accounts) really doesn't matter.

In fact, Cornelius could have 1 major negative item on 1 account and 10 positive accounts where Rupert may have 1 positive account and 10 negative accounts all with a major negative item on them.  The two individuals both have 11 accounts, but theoretically both could possess relatively similar credit scores, assuming both of their most recent major negative items happened at about the same time.  You wouldn't think a 10-1 record would be as "bad" when it comes to FICO scoring as a 1-10 record, but the say the system works with bucketing if you find yourself in a dirty bucket that's often how it plays out.

Your goal should be the removal of those 2 collections.  If you are able to do that, your scores would increase significantly.