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How long after I pay or dispute/removal of debts does it normally take for a credit score to go up?

Posted: Sat Apr 19, 2008 5:05 pm Subject:

The items status would have to be changed or removed before that occurs. Beyond that I'm not sure what to tell you.

Posted: Mon Apr 21, 2008 9:18 am Subject:

say for example everything is paid and "right" on my report, does it take 30 days, 90 days etc to start showing an impact? Or does it happen right away?

Guest · Posted: Mon Apr 21, 2008 1:39 pm Subject:

I just had 7 items deleted off my report and my score didn't budge. It depends on what the items were, what their age was, etc.

Posted: Wed Apr 23, 2008 8:57 am Subject:

oh okay thanks for the info

Posted: Tue May 13, 2008 9:32 am Subject:

Your scores will update immediately after the creditor/CA updates it. I check/update my TrueCredit reports daily (since they allow you to update it every 24 hrs.) and since I'm in the process of cleaning up my CR, I received a response letter from a CA that they would delete the account on May 8. When I checked my report on May 9, it was gone, and my score had gone up 10 points.

It does depend on the age of the account, as the Guest above mentioned though. Let's say you have a bogus account on your CR from 8 years ago, but your other credit is only 3 years old... your history will go from 8 years old to only 3, and that would cause your score to drop. If it is a big account that is deleted, you may gain 10 for the drop, but lose 5 for the history, resulting in a net gain of only 5. OR, you may lose more than 10 for the history, resulting in a net loss.

Posted: Tue May 13, 2008 9:44 am Subject:

Thank you so much for your response!

How much are you paying to get your report daily, with credit score?

What is the timeframe (x amount for a report a day for a month/6 months / year etc?

And lastly, do you possibly have the link?

Thank you!

Posted: Tue May 13, 2008 9:53 am Subject:

I pay $14.95 a month for all 3 reporting agencies and scores, updated as often as 24 hours. There is a place when you log-in to your account to view your report where you can update it.

The website it truecredit.com. It's a pretty common/legit site to use, if you want to monitor your report and score more closely than once a year.

I think there is a $9.95 plan that just shows you your TransUnion report and score. And of course, there is some 30-day free trial thing first, so you could, at least have it for a month and cancel and not get charged.

The trick is remembering to cancel.

I'm just enrolled until I can get my score back on track. Once I've got it back up, I am going to cancel this membership and only view my report once a year through annualcreditreport.com.

Posted: Tue May 13, 2008 10:10 am Subject:

How long have you been using the site, and is it easy to use?

I had gotten one trial program through www.creditchecktotal.com and I found it really hard to use, many of the bank/creditors were shown on different areas for the same debt and it was confusing. It was supposed to be in a graph format with 3 columns (Experian. Equifax and Transunion) with each debt on one line, but for example Wells Fargo was shown 3 times as "Wells Home", "Wells Fargo Home Mortgage" and "WLSFGR HMMTG" That's why I'm asking if the one you use is easier?

Guest · Posted: Tue May 13, 2008 11:08 am Subject:

yes, it's easy. At least I think so.

It will show you all three in column-like format. Mine doesn't show multiple accounts, except for a few original creditors who've sold the debt to a collection agency. Those aren't duplicates, as long as the OC shows a $0 balance.

When you view the report, there will be a link for you to update it every 24 hours. Like I said, I had a CA delete something on May 8, and it was gone the next day off my CR. Agencies or Creditors tell you 30-45 days to allow for their own processing time. If they are good about reporting though, it will happen more quickly. If I were you, I'd be patient and wait the 45 days at least, before disputing again. No need to waste your time sending dispute after dispute if they will eventually delete it.

Posted: Tue May 13, 2008 11:09 am Subject:

Sorry, that above post was me! Smile

yes, it's easy. At least I think so.

It will show you all three in column-like format. Mine doesn't show multiple accounts, except for a few original creditors who've sold the debt to a collection agency. Those aren't duplicates, as long as the OC shows a $0 balance.

When you view the report, there will be a link for you to update it every 24 hours. Like I said, I had a CA delete something on May 8, and it was gone the next day off my CR. Agencies or Creditors tell you 30-45 days to allow for their own processing time. If they are good about reporting though, it will happen more quickly. If I were you, I'd be patient and wait the 45 days at least, before disputing again. No need to waste your time sending dispute after dispute if they will eventually delete it.

Posted: Tue May 13, 2008 11:13 am Subject:

could you please share the name of the company and hopefully contact info?
Thank you!

Posted: Tue May 13, 2008 11:18 am Subject:

Which company are you referring to? The service I use to pull my report? Or the company I had an account with that updated quickly?

Posted: Tue May 13, 2008 11:30 am Subject:

the service that you use to pull your report, sorry I was typing fast and don't think I was making much sense!

Posted: Tue May 13, 2008 11:55 am Subject:

Oh, I listed it above. It's Truecredit.com.

Posted: Tue May 13, 2008 12:22 pm Subject:

Sorry I missed it there, thank you!

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