05-06-2013 12:32 PM
I had a medical judgment from May 2010 for $1100 vacated last month. I got the court papers in the mail and sent them to all three bureaus and they sent me letters back saying the judgment was removed from my file. I checked my FACO with creditpremier and my score remained the same! Not even a one point boost. What happened here? Of course I have 11 medical collections and seven 180 day student loan lates but don't you think I should have gotten a boost in my score?
How exactly do I get past 621?
05-06-2013 05:04 PM
05-06-2013 06:16 PM
mine didn't change either when it was deleted. How old was yours? Mine was due to fall off later this year anyway. If it was a few years old it may not have been affecting your actual score, but could have previously still affected getting denied for apps.
05-06-2013 07:14 PM
The judgment was from May 2010.
I have 22 negative accounts still on file. Half are medical collections from 2010 that just reported late last year and the other half are Sallie Mae 180 and 90 day lates from 2010.
Despite the negatives I was expecting to get a boost from the judgment. I mean I went ahead and did something about it and they don't give me any credit for it?
05-06-2013 08:10 PM
I had a paid lien removed that was just paid last august, no score bump for me either. This was on TU
I had a paid judgement from 2009 removed from equifax, no score bump for me either.
I still have several paid baddies on each report, but I would have thought especially on TU that I would have gotten a few points since this lien was only paid in 8/2012 and was set to stay on my report another 6 years.
Best wishes to you!!!
05-06-2013 09:30 PM
I'll add my "My score didnt jump either." My judgements were pretty old as they were from 2007 but when they fell off I didnt have a score jump. I have three derogs on my credit file. 2 Student loan C/O slated to fall off on 11/13 and a repossession from 2007 which will fall off 2/14.
05-07-2013 06:45 AM
I think I'm starting to believe that even one 90 or 180 day late will drop your score for the whole 7 years.
In my situation I don't think I'm getting a score increase because I have the lates still on file.
05-07-2013 09:44 AM
Major derogs like 120's + up will KILL your scores for the 7 years. Nothing to do but keep all accounts positive and balances low and wait......and wait........and wait.
05-08-2013 04:55 PM
If the 180 day lates will "kill my score" for the whole 7 years, do you think I should pay the outstanding medical collection accounts which are totalling $5000? They are scheduled to come off my report in 2015 and the 180 day lates will come off in 2017.
What's the point in paying off the collections if my score won't improve? If however, my situation would improve, I would like to pay them off.
What is your advice?