@FiveOhFour wrote:I have a collection that has been removed from my experian report last month and that hasnt triggered an alert, and actually same story for a equifax collection, but the experian was deleted much longer ago, the equifax was deleted about a week ago but i am only just getting the dispute results on the 5th of this month, though Credit Karma alerted me to its deletion a week ago. The Experian collection though, theres no excuse for that, why is it not triggering an alert...in general with the 3B monitoring, why not build the product to be a little better and what consumers expect, i mean the whole scores and Dashboard page is USELESS aside from the scores themselves because it used the data from the baseline pull on the day you sign up, why even bother having tips and analytics take prominent space and then not update them with the data you use for alerts and have stale data for a year. If you dont want to give us new reports every month, fine, but make up your mind what sort of product youre offering and do it well, this service is convoluted on many levels, it might as well just be the score, oh and quirky alerts.
/End Rant
Alerts are not generated on account removal. Check the list in the stickies. Each CRA has their own set of things that generate alerts however account removals aren't one of them. When one of the items that does generate an alert occurs your scores will be posted and will include the effect of any prior changes that didn't generate alerts.
It may seem rather odd of course but MyFico is piggybacking on alert and score products that the CRAs normally sell to creditors and they don't want to be bothered by an alert from an account getting removed. Added sure since it might be a negative or or new credit account but removal isn't somthing they care about.
