Okay, if I get rid of two collections from 6 years ago, do you guys think it will give me a bump? Those are my last two. I will not have any collections after that. The total is almost 720 dollars, one is about to fall off next year so I could probably make a deal. You guys think they will go 50%? They are both with the same collection agency. I want to be in the 700 club. Those are the last two things I can do anything about on my credit.
May not increase your score but it will make you look better to lenders who will be more willing to give you higher CLs which in turn may raise your score.
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........659 (FICO)........
........659 (TU08) ........
I had a 5 year old CO come off mine, my last and I jumped up 84 points. Mind you this made my report clean, no baddies though.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
