Credit Card Center Advertiser Disclosure

New Visitor
Posts: 1
Registered: ‎11-02-2010
0 Kudos

Collection removed. Will my score rebound?

In 2006 I had a BMG Music account and ordered CD's and never paid the bill. I was a minor in 2006, and now that I am a 19 year old adult the $47 was put on my 3 reports Oct. 19, 2010 and dropped my Transunion FICO from 754 to 664. I have paid the collection agency the $47 debt and they submitted to all 3 bureaus to completely delete any record of a collection. I called Transunion after I paid the $47 and explained to them my situation, and even though the collection still appeared unpaid, they went ahead and removed the collection due to no contact information on the collection agency, and due to me never receiving a phone call or a letter stating it would be put on my credit if I failed to pay(I explained this and they determined there was no way to contact the collector.)


Will my score rebound back up to 754 now that my report shows 0 collections?

Senior Contributor
Posts: 4,189
Registered: ‎03-24-2008
0 Kudos

Re: Collection removed. Will my score rebound?

Welcome.gif to the forums, 

Hi htoday, Thats a hard question to answer, but guessing I would think your CS should return to the score prior to the CA, if not somewhere close to it.


When you find out, please share what you find out. 

FICO's May 2015 EQ764 ~~Live below your means and always keep an emergency fund -Love Everybody ~ Big Kenny ~ Big and Rich ~~~~~Credit Scoring 101 - Common Abbreviations - Freq Req Threads - Free Credit Reports - What Steps Do I Take?DV? PFD?
Frequent Contributor
Posts: 270
Registered: ‎03-10-2009
0 Kudos

Re: Collection removed. Will my score rebound?

it is hard to say.....but Smiley Wink I have seen on here were people have gotten 40-60 points after a collection deletion.  My wife had two deletions removed and got 54 points.  Hope this helps.


Good luck....Smiley Happy

Starting Score: Mid 500's
EQ-701 TU-693 EXP-698
Goal Score:750+

NavChek $15,000/NFCU nRewards Visa $12,000/American Express Rewards Gold NPSL/USAA Rewards World Mastercard $7000/USAA Visa Platinum $7000/Barclay $3900/Credit Union Visa $5000/Jareds $7600/BofA Visa $4000/USAA MC $1500/Walmart $1200//Amazon $1000/Discover Card $750/Cap1 $2250.

the FICO Fitness Challenge
Take the FICO Fitness Challenge

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.