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Established Contributor
Posts: 577
Registered: ‎11-10-2012
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How much do you think my credit score will change?

I currently have a total of 16 collection accounts and 2 medical judgments on my CR (11 on TU, 13 on EX, and 16 on EQ). On TU, 7 are scheduled to fall off in 2013, and 6 are scheduled on EX and EQ. How much should my score change after those accounts are gone? My "positives" are an auto loan 3/2011, personal loan 8/2012, Capital One 5/2012, Fingerhut 8/2012, SDFCU Visa 10/2012, Walmart 11/2012, JC Penney 11/2012. I also have a Target card, but it hasn't been reported yet. Hopefully you can see my current scores below. Thanks.

Starting Scores: (4/16/12 lender pull) TU 596 | EX 550 | EQ 576
Current Score (8/1/15): Wally TU 639 | Discover (app) EX 651 | DCU EQ 639
Goals: Homeowner as of 9/27/2013. Last app 7/30/15. Down from 30+ inqs each in 2014 to TU-5; EX-7; EQ-15. Aiming for ZERO inqs.
Valued Member
Posts: 46
Registered: ‎08-06-2008
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Re: How much do you think my credit score will change?

You should see a bump, but in my experience with that many collections, the scores don't change much. You'll get better score jumps when you only have 1 or 2 left, I think.

Starting Score: 11.14.2012 TU-504 EQ-509 EX-524 (CC Denial Letter)
Current Score: EQ-673 TU-686 both 2/22/14
Goal Score: 720


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Established Contributor
Posts: 577
Registered: ‎11-10-2012
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Re: How much do you think my credit score will change?

Thanks. I'm hoping to see some kind of change!

Starting Scores: (4/16/12 lender pull) TU 596 | EX 550 | EQ 576
Current Score (8/1/15): Wally TU 639 | Discover (app) EX 651 | DCU EQ 639
Goals: Homeowner as of 9/27/2013. Last app 7/30/15. Down from 30+ inqs each in 2014 to TU-5; EX-7; EQ-15. Aiming for ZERO inqs.
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