cancel
Showing results for 
Search instead for 
Did you mean: 

How much do you think my credit score will change?

Established Contributor

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 (9/3/15): Wally TU 639 | Amex EX 628 | DCU EQ 639
Goals: Homeowner as of 9/27/2013. Last app 8/1/15. TU-5; EX-16; EQ-13. Aiming for ZERO inqs.
Message 1 of 3
2 REPLIES
New Contributor

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: 8/6/08 EQ-428 TU-471 EX-440
Current Score: EQ-779 Scorewatch 8/25/17 TU-769 BOA 8/19/17 EX-769 8/25/17 Discover Creditscorecard
Goal Score: 720


Take the FICO Fitness Challenge
Message 2 of 3
Highlighted
Established Contributor

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 (9/3/15): Wally TU 639 | Amex EX 628 | DCU EQ 639
Goals: Homeowner as of 9/27/2013. Last app 8/1/15. TU-5; EX-16; EQ-13. Aiming for ZERO inqs.
Message 3 of 3