Score increase when something drops off?

[Anonymous]

I have a satisfied judgement that should be dropping off in April of '08. Will I see a bump in my FICO score? If this has happened to you, what were the results?

[Tuscani]

Depends... keep in mind that any score drop would be shortlived.

[notmyname]

bump

[Anonymous]

You may see a short climb, but I'd have to agree it's possible there may not be a change at all in the score because the decrease may have been short-lived.

The positive change in the drop-off is going to be in a manual review. When creditors pull your report and there isn't any delinquency or charge-off on file, it will certainly benefit you.

[MidnightVoice]

I have posted this before, but here goes.  DW and I have 6 CRs between us.  Two of hers and one of mine have a 6.5 year old collection on them (should not be there, long story).  The 3 reports that do not have the collection average 88 points higher (range of 17 points for the high three, range of 33 points for the low three).

Now I know that a 6.5 year old collection is not worth 90 points (in theory), but the scores are the scores.