Homeorbust - if it was your only collection, you could see a 30-40 pt bump, if not more! It also depends on how recent they reported it. Because I am fighting this, when it updated on equifax, I lost 33 pts. I won't stop until it is removed. I have sent one last certified letter today. I am sick of seeing "verified" without any response to the other items I demand to see (hipaa authorization, business agreement with this CA and the provider, a bill from the provider would even be interesting). The provider is clueless. The last time I was there was in 2008 and it was paid. They said they don't even know who this collection agency is. There was a similar name to mine in their system but the DOB and SS# didn't match. The problem is they don't seem to want to take the energy to send me one simple letter.
My next steps will be reporting them to BBB, filing a hipaa violation, and a CFPB complaint. Experian is still investigating. I hope they provide the info I requested so I can get to the bottom of it.
I hope you get a nice bump for your mortgage scores! That is why I am so adamant about this collection. I want it off so we can buy a house with better rates! I was content to apply with a 695 mid score but when I saw a 60 pt increase, I am no longer content!!
