topic Re: 3 collections removed why hasnt score gone up in Understanding FICO® Scoring

3 collections removed why hasnt score gone up

LoveGoodCredit — Sun, 30 Sep 2012 01:51:38 GMT

Okay its been about 3 weeks, and I am wondering, is there a reason my equifax score hasnt improved since the removal of 3 accounts? I called them and asked if it improved right away and they told me it does. How long does this usually take? :(

Re: 3 collections removed why hasnt score gone up

localuser — Sun, 30 Sep 2012 02:07:12 GMT

I think 69-90 days someone can correct me if I am wrong

Re: 3 collections removed why hasnt score gone up

jeffriesde — Sun, 30 Sep 2012 02:38:48 GMT

Was this your only 3 collections? Have you verified that they came off of your report? What other baddies do you have? How old were these collections?

In some cases if you have a lot of collections removing 3 won't cause a score change. Also if you newer collections and removed 3 old ones it could cause the score to stay the same.

Re: 3 collections removed why hasnt score gone up

Shogun — Sun, 30 Sep 2012 02:57:29 GMT

Keep on the other negatives, your score will go up! Good luck!

Re: 3 collections removed why hasnt score gone up

LoveGoodCredit — Sun, 30 Sep 2012 03:51:37 GMT

Thanks Shogun, you and Jamie are certainly encouraging.

Their are 5 collections left. Two from over 4 years ago.

3 from within the last year. The ones that were removed two are from within the last year, and one from 2010.

This is what is left, I have a PFD letter for the 156 and the 92.00 will be removed once that is paid.

FIRST FEDERAL CREDIT CONTR

Date Reported:    09/2012
Date Assigned:    02/2008
Creditor Name:
Account Number:
Account Owner:    Individual Account.
Original Amount Owned:    $564
Date of 1 st Delinquency:    03/2007
Balance Date:    09/2012
Balance Owned:    $564
Last Payment Date:
Status Date:    09/2012
Status:    D - Unpaid
Comments:    Consumer disputes this account information, Collection account

FIRST FEDERAL CREDIT CONTR

Date Reported:    09/2012
Date Assigned:    01/2009
Creditor Classification:    Medical/Health Care
Creditor Name:
Account Number:
Account Owner:    Individual Account.
Original Amount Owned:    $231
Date of 1 st Delinquency:    08/2008
Balance Date:    09/2012
Balance Owned:    $231
Last Payment Date:
Status Date:    09/2012
Status:    D - Unpaid
Comments:    Consumer disputes this account information, Medical

LRS DEBT COLLECTION GROUP
Dispute Item

Date Reported:    08/2012
Date Assigned:    01/2011
Creditor Classification:    Medical/Health Care
Creditor Name:
Account Number:
Account Owner:    Individual Account.
Original Amount Owned:    $259
Date of 1 st Delinquency:    09/2010
Balance Date:    08/2012
Balance Owned:    $259
Last Payment Date:
Status Date:    08/2012
Status:    D - Unpaid
Comments:    Medical

SOUTHERN CREDIT RECOVERY
Dispute Item

Date Reported:    08/2012
Date Assigned:    03/2012
Creditor Classification:    Medical/Health Care
Creditor Name:
Account Number:
Account Owner:    Individual Account.
Original Amount Owned:    $92
Date of 1 st Delinquency:    07/2011
Balance Date:    08/2012
Balance Owned:    $92
Last Payment Date:
Status Date:    08/2012
Status:    D - Unpaid
Comments:    Medical

CSD COLLECTION SPECIALIST
Date Reported:    04/2012
Date Assigned:    03/2012
Creditor Classification:    Medical/Health Care

Account Owner:    Individual Account.
Original Amount Owned:    $156
Date of 1 st Delinquency:    11/2010
Balance Date:    04/2012
Balance Owned:    $156
Last Payment Date:
Status Date:    04/2012
Status:    D - Unpaid
Comments:    Medical

Re: 3 collections removed why hasnt score gone up

Shogun — Sun, 30 Sep 2012 04:12:39 GMT

That'll just leave 3, big improvement!

Re: 3 collections removed why hasnt score gone up

LoveGoodCredit — Sun, 30 Sep 2012 04:27:33 GMT

Yes definately, I am wondering tho, why is equifax going down? :(

It is at 515. Do I need to be rebucketed?

Will it take a few months?

Re: 3 collections removed why hasnt score gone up

jamie123 — Sun, 30 Sep 2012 04:34:45 GMT

How many credit cards do you have now?

Re: 3 collections removed why hasnt score gone up

LoveGoodCredit — Sun, 30 Sep 2012 05:30:39 GMT

Just Premiere. Paid on time for going on 5 months.

Re: 3 collections removed why hasnt score gone up

llecs — Tue, 02 Oct 2012 18:26:56 GMT

Split post to form a new thread within Understanding FICO Scoring