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Collections removed and no score increase?????

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m29
Regular Contributor

Collections removed and no score increase?????

I just purchased my new score and report from TU and they have removed 2 collection accounts that were a year old (per GW letters). My score didn't increase at all.... I don't understand how that is possible?? Any ideas?


Starting Score: 8/30/11 EQ 520 TU98 593
Current Score: LO Pull 3/5/12 EQ 659 TU04 652 EX 649
LO Pull 5/26/12 EQ 656 TU04 668 EX 651
Goal Score: 700 by 12/30/12


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Message 1 of 5
4 REPLIES 4
Booner72
Senior Contributor

Re: Collections removed and no score increase?????

If you have other collections that were placed more recent then these, you might not see a score change.

STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
Message 2 of 5
m29
Regular Contributor

Re: Collections removed and no score increase?????

Thanks, I do have one from a little over a year ago (my last one reporting).. Unfortunately its Midland and I am getting nowhere with them so far!!


Starting Score: 8/30/11 EQ 520 TU98 593
Current Score: LO Pull 3/5/12 EQ 659 TU04 652 EX 649
LO Pull 5/26/12 EQ 656 TU04 668 EX 651
Goal Score: 700 by 12/30/12


Take the FICO Fitness Challenge
Message 3 of 5
RW771
Frequent Contributor

Re: Collections removed and no score increase?????

What about all paid collections? Like if you have one removed (that's already been paid) but have other collections that were more recent that are also paid? Think there will be any score increase?

05/31/2013 672 EQ (Fico), 03/08/2012 697 TU (Fico)

Closed on my first home 12/07/11! Officially a homeowner, thanks to this forum!!!

Message 4 of 5
MarineVietVet
Moderator Emeritus

Re: Collections removed and no score increase?????


@RW771 wrote:

What about all paid collections? Like if you have one removed (that's already been paid) but have other collections that were more recent that are also paid? Think there will be any score increase?


A paid collection is scored the same as an unpaid one. I know that doesn't seem fair but that's the way it is at present. So in your scenario I wouldn't expect a score increase but there seem to be few absolutes in the credit world.  Smiley Happy

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Message 5 of 5
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