Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Scores
Profile Image

Question By
Lisarmo

0 Contributions
0 People Helped
No Change in Score
I've had at least5 items "deleted" from my TransUnion/Equifax reports over the past several months, totaling almost $1,000. Why hasn't my credit scores changed after all these months??? What can I do???

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
935 Contributions
134 People Helped

The lack of change to your score after the derogatory was removed could be based upon the age of the item which was removed.   It may have impacted your actual FICO score model while it is not reflected here.   The Advantage model that CK uses is more of your recent 2 years activity with less importance on items beyond that.   Your FICO takes the whole 7 years into consideration.   This is one of the reasons persons see such substantial difference between scores here and the FICO.   With the derogatory items removed, just start building upon your credit profile so that you can start to see the increased in your credit score that you desire.

Top Contributor
7377 Contributions
3814 People Helped

Helpful to 0 out of 1 people

If you read the articles on this site you would have learned that sometimes it takes the passage of time when derogatory remarks fall off credit reports for the score to change. 

Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.