cancel
Showing results for 
Search instead for 
Did you mean: 

3 collections removed why hasnt score gone up

tag
LoveGoodCredit
Frequent Contributor

3 collections removed why hasnt score gone up

Okay its been about 3 weeks, and I am wondering, is there a reason my equifax score hasnt improved since the removal of 3 accounts?  I called them and asked if it improved right away and they told me it does.  How long does this usually take?  Smiley Sad



Starting Score:
August Equifax 558 TU 600 EX 570
Current Score: Equifax FICO 642 TU FICO662 EX 651 (credit.com) 06/21/2013
Goal Score: 720 All Across

Take the FICO Fitness Challenge

Message 1 of 10
9 REPLIES 9
localuser
Regular Contributor

Re: 3 collections removed why hasnt score gone up

I think 69-90 days someone can correct me if I am wrong

Cap1Secured $700 | Chase Slate $700 | Amazon Store $5000 | Discover IT $7000 | Lowe's $8000 | AmEx BCE $20000 | Freedom $3000
November 2014 (myFICOs): Equifax 717 TransUnion 725 Experian 717
January 2014 (myFICOs): Equifax 675 TransUnion 661 Experian 723
Message 2 of 10
jeffriesde
Valued Member

Re: 3 collections removed why hasnt score gone up

Was this your only 3 collections?  Have you verified that they came off of your report?  What other baddies do you have?  How old were these collections?

 

In some cases if you have a lot of collections removing 3 won't cause a score change.  Also if you newer collections and removed 3 old ones it could cause the score to stay the same.

 


Starting Score: EQ 549 (5/2012) | TU 594 (7/2012)
Current Score: EQ 618 (9/2012 Lender Pull) | TU 648 (9/2012 Lender Pull) | EX 599 (9/4/2012 Lender Pull)
Goal Score: 700


Take the FICO Fitness Challenge
Message 3 of 10
Shogun
Moderator Emeritus

Re: 3 collections removed why hasnt score gone up

Keep on the other negatives, your score will go up!  Good luck!

Starting Score: 504
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.
Message 4 of 10
LoveGoodCredit
Frequent Contributor

Re: 3 collections removed why hasnt score gone up

Thanks Shogun, you and Jamie are certainly encouraging.


Their are 5 collections left.  Two from over 4 years ago.


3 from  within the last year.  The ones that were removed two are from within the last year, and one from 2010. 

 

This is what is left, I have a PFD letter for the 156 and the 92.00 will be removed once that is paid.

 

FIRST FEDERAL CREDIT CONTR  

Date Reported:     09/2012  
Date Assigned:     02/2008  
Creditor Name:     
Account Number:     
Account Owner:     Individual Account.  
Original Amount Owned:     $564  
Date of 1 st Delinquency:     03/2007  
Balance Date:     09/2012  
Balance Owned:     $564  
Last Payment Date:     
Status Date:     09/2012  
Status:     D - Unpaid  
Comments:     Consumer disputes this account information, Collection account

FIRST FEDERAL CREDIT CONTR  

Date Reported:     09/2012  
Date Assigned:     01/2009  
Creditor Classification:     Medical/Health Care  
Creditor Name:       
Account Number:     
Account Owner:     Individual Account.  
Original Amount Owned:     $231  
Date of 1 st Delinquency:     08/2008  
Balance Date:     09/2012  
Balance Owned:     $231  
Last Payment Date:     
Status Date:     09/2012  
Status:     D - Unpaid  
Comments:     Consumer disputes this account information, Medical

LRS DEBT COLLECTION GROUP  
Dispute Item

Date Reported:     08/2012  
Date Assigned:     01/2011  
Creditor Classification:     Medical/Health Care  
Creditor Name:     
Account Number:     
Account Owner:     Individual Account.  
Original Amount Owned:     $259  
Date of 1 st Delinquency:     09/2010  
Balance Date:     08/2012  
Balance Owned:     $259  
Last Payment Date:     
Status Date:     08/2012  
Status:     D - Unpaid  
Comments:     Medical

SOUTHERN CREDIT RECOVERY  
Dispute Item

Date Reported:     08/2012  
Date Assigned:     03/2012  
Creditor Classification:     Medical/Health Care  
Creditor Name:       
Account Number:     
Account Owner:     Individual Account.  
Original Amount Owned:     $92  
Date of 1 st Delinquency:     07/2011  
Balance Date:     08/2012  
Balance Owned:     $92  
Last Payment Date:     
Status Date:     08/2012  
Status:     D - Unpaid  
Comments:     Medical

CSD COLLECTION SPECIALIST  
Date Reported:     04/2012  
Date Assigned:     03/2012  
Creditor Classification:     Medical/Health Care  
 
Account Owner:     Individual Account.  
Original Amount Owned:     $156  
Date of 1 st Delinquency:     11/2010  
Balance Date:     04/2012  
Balance Owned:     $156  
Last Payment Date:     
Status Date:     04/2012  
Status:     D - Unpaid  
Comments:     Medical

 

 

 



Starting Score:
August Equifax 558 TU 600 EX 570
Current Score: Equifax FICO 642 TU FICO662 EX 651 (credit.com) 06/21/2013
Goal Score: 720 All Across

Take the FICO Fitness Challenge

Message 5 of 10
Shogun
Moderator Emeritus

Re: 3 collections removed why hasnt score gone up

That'll just leave 3,  big improvement!

Starting Score: 504
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.
Message 6 of 10
LoveGoodCredit
Frequent Contributor

Re: 3 collections removed why hasnt score gone up

Yes definately, I am wondering tho, why is equifax going down?  Smiley Sad

It is at 515.  Do I need to be rebucketed?


Will it take a few months?



Starting Score:
August Equifax 558 TU 600 EX 570
Current Score: Equifax FICO 642 TU FICO662 EX 651 (credit.com) 06/21/2013
Goal Score: 720 All Across

Take the FICO Fitness Challenge

Message 7 of 10
jamie123
Valued Contributor

Re: 3 collections removed why hasnt score gone up

How many credit cards do you have now?


Starting Score: EQ 653 6/21/12
Current Score: EQ 817 3/10/20 - EX 820 3/13/20 - TU 825 3/03/20
Message 8 of 10
LoveGoodCredit
Frequent Contributor

Re: 3 collections removed why hasnt score gone up

Just Premiere.  Paid on time for going on 5 months.



Starting Score:
August Equifax 558 TU 600 EX 570
Current Score: Equifax FICO 642 TU FICO662 EX 651 (credit.com) 06/21/2013
Goal Score: 720 All Across

Take the FICO Fitness Challenge

Message 9 of 10
llecs
Moderator Emeritus
Moved:

Re: 3 collections removed why hasnt score gone up

Split post to form a new thread within Understanding FICO Scoring

Message 10 of 10
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.