I dont understand...

[armyguy90]

A collection Acct was removed from my report, but didnt help my score at all..??

[Anonymous]

I've had this happen a couple of times. Here are 2 possible scenarios:

1)  The collection was so old, it had no impact.  It was probably offset by the decrease in AAoA.

2)  You have so many collections that one removal has no impact.

There may be other reasons, but these are two I've noticed as I've repaired my credit.  The good news is that you have one less to go.

[BungalowMo]

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@Anonymous wrote:

I've had this happen a couple of times. Here are 2 possible scenarios:

1)  The collection was so old, it had no impact.  It was probably offset by the decrease in AAoA.

2)  You have so many collections that one removal has no impact.

There may be other reasons, but these are two I've noticed as I've repaired my credit.  The good news is that you have one less to go.

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1)  I had a 6 yr 10 mo old collection removed & I got a 29 pt increase.  Collections do count, no matter the age.  This was my only collection...if I'd have had a few more, I doubt the increase would have been that significant.   From all I've read, collection accts don't factor into age, while the OC acct this came from does.

2) I'd bet on this....DO you have more collection accts?

[armyguy90]

I have 1 other collection acct and it is PAID. My score is a 524 so i thought it would go up especially since it is so low

[BungalowMo]

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@armyguy90 wrote:
I have 1 other collection acct and it is PAID. My score is a 524 so i thought it would go up especially since it is so low

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That's the reason that you didn't get a score jump.  Who is the CA & when had you paid it??

Which report is that score from?  Where did you get it?

Is this other collection on all 3 reports??

Message Edited by BungalowMo on 11-14-2009 12:48 PM

[Anonymous]

Did this one fall off due to SOL or was it more recent?

[armyguy90]

LVNV

The Date Opened is MAR 2009

and Date of Last Activity was AUG 2008.

It was Paid JULY 2009

 It fell off of all 3 reports and the score isthe myfico equifax score.

The other collection account which is still on my report ( Asset Acceptance) is

the Date Opened MAR 2009

and Date of Last Activity is SEP 2008

Message Edited by armyguy90 on 11-14-2009 06:06 PM

Message Edited by armyguy90 on 11-14-2009 06:06 PM

[BungalowMo]

If I remember correctly, people here have had luck getting asset to delete.  Is this paid up?

[Anonymous]

When did it come off your equifax report?  I've noticed a delay in a score update from them, relative to the one from TU.

Also, I had no trouble doing a PFD with Asset.