USAA report and B*

[mizliz1011]

the last two inquiries shown on this report have long been B* from Equifax Complete. Does USAA not report updated Inquiries (hard) on a timely basis or do I have a problem? and it doesn't show a legit HI from Oct. 9th... May I assume that USAA is not at its finest on the latest and greates of HI reporting? Also, it is showing a CA that was removed almost immediately as the entry was in error... but it is still zinging my experian score...it is dated 9/15 and was removed by CA almost immediately after call from my lawyer...

Alert Date 09/06/2014 THIS HAS BEEN BUMPED Business Name NAVY FEDERAL CREDIT UNION Inquiry Date 09/04/2014 Alert Date 08/31/2014 Business Name NAVY FEDERAL CREDIT UNION THIS HAS BEEN BUMPED Inquiry Date 08/11/2014 Alert Date 08/31/2014 THIS HAS BEEN BUMPED Business Name PENTAGON FCU Inquiry Date 07/26/2014

 

[mendelssohn]

The alerts stay, even after the inquiries are gone. You need to look at the inquiries on your report, not the alerts.

[mizliz1011]

The CA may be gone but its removal has not bumped my score back up an inch on EX...

 

54 points... that really hurts. I would be in 700's on Ex (just got into 700's on Eq) if that was fixed.

 

I called into my special handler at Ex and she sent a new credit report to Fico to make sure it was refactored.

 

Nothing yet...I am bereft. I am grieving for my lost accomplishment.

[mendelssohn]

The CA may be gone but its removal has not bumped my score back up an inch on EX...

 

54 points... that really hurts. I would be in 700's on Ex (just got into 700's on Eq) if that was fixed.

 

I called into my special handler at Ex and she sent a new credit report to Fico to make sure it was refactored.

 

Nothing yet...I am bereft. I am grieving for my lost accomplishment.

I'm confused. Are you basing this on your USAA FAKO?

 

The CRAs don't send reports to FICO. FICO pulls information from the CRAs when they are generating a score.

[mizliz1011]

no, my Experian FICO went down 54 points with the "new" CA. It seems only reported to EX.

 

and, of course, it is still reporting on USAA..as a derogatory account. it has not updated since 9/15.

 

But I suspect that the Fico scoring based the Experian imput is evidenced by it still being on USAA and not updated.

 

I just wonder how long it will take for its removal to boost my score back up. I am hoping a few days.

 

Ex score is still too rocky to count on it for anything. It seems unstable.

 

I also wonder if an OC re-affirms a listing (Chargeoff/ spring '09) if I 623 it if it will ding my score.

 

All baddies excpet mortgage issue are off my EQ and TU. TU is in process of B*.

 

All three CRAs have yet to report new AmEx PRG and new unsecured Navy.

 

I am hoping that that will bump everything a bit in an upwards direction.

 

Experian seems to be a bellweather for bad stuff for me. A lot going on with new credit, the mortgage which just re-reported, and that pesky CA.

 

Next week will be improved, I hope. That is one reason I am holding off on two AmEx R/Cs...

Edited October 13, 2014 by mizliz1011

[shifter]

FICO scores are real-time snapshots.

 

any changes are reflected immediately

 

upon generation of a new score.

[mizliz1011]

thanks, so if they got new info it should have gone back up something fishy is going on here. it needs to re-report as GONE baby Gone.

 

can your Fico chance from hour to hour?

Edited October 14, 2014 by mizliz1011

[shifter]

You'd have to pull a new report from MF to see the new score.

[mizliz1011]

I have pulled one as I have a daily pull service for three months. That was how I knew that it happened. It is not gone. I am going to pull a full report but have to unfreeze my Ex...

[FromGoodtoGreat]

I have pulled one as I have a daily pull service for three months. That was how I knew that it happened. It is not gone. I am going to pull a full report but have to unfreeze my Ex...

Just curious, and this may have been covered in the myfico 3 thread. Can you get accurate score updates if your EX is frozen? Perhaps that is the issue.