6.75 yr old collection worth an average of.......................52 points

[MidnightVoice]

DW and I had an old collection due to drop off in March 2008.  It was on 3 reports of out combined 6, and it suddenly dropped off this month without me doing anything - I was waiting for it to drop off. 

Resulted in MAJOR score jumps

For me on EX - 49 points

For DW on EQ - 56

For DW on EX - 51

If I am not mistaken, that is an average of 52 points, range 49 to 56, for a collection that was due to drop off in March 2008.

Current scores are high 700s (EQ and TU) and mid 700s (EX, due to counting a HELOC as a CC)

That is a huge amount of points for a collection that old.  I am really surprised, but I have been saying it was big for some time.

Message Edited by MidnightVoice on 12-24-2007 01:07 PM

[Red1Blue]

Congrats midnight. It must a xmas gift for your from CRA's.

[haulingthescoreup]

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@MidnightVoice wrote:
That is a huge amount of points for a collection that old. I am really surprised, but I have been saying it was big for some time.

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Vindication! congrats again

[bradfordhog]

During this past year I have had a charge off from Capital One roll off of all three credit reports.  Each time it is worth roughly fifty points. 

[Anonymous]

Nice to know I'm not alone in waiting for them to come off.
Though I doubt I'd get 50 points each or I'd be at 950 on EQ and EX

Message Edited by EddieX on 12-28-2007 08:38 AM

[Anonymous]

CONGRATS MV!!!! 

 I am at EQ 684 and have the only CO due to drop 3/08  it is gone from the other 2 CBs....can't wait to see new scores then.

[MidnightVoice]

As this seems a popular subject today......

[Anonymous]

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MidnightVoice wrote:

As this seems a popular subject today......

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As happy as I m for everyone getting these giant score boosts, I am still curious why my one CA dropping off has only been worth 3 points on EQ and 6 points on EX.

Weird.

[Dawn]

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cheddar wrote:

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MidnightVoice wrote:

As this seems a popular subject today......

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As happy as I m for everyone getting these giant score boosts, I am still curious why my one CA dropping off has only been worth 3 points on EQ and 6 points on EX.

Weird.

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Buckets? 

[Anonymous]

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Dawn wrote:

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cheddar wrote:

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MidnightVoice wrote:

As this seems a popular subject today......

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As happy as I m for everyone getting these giant score boosts, I am still curious why my one CA dropping off has only been worth 3 points on EQ and 6 points on EX.

Weird.

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Buckets? 

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Ya know, I have thought the same thing.  It could be that losing the CA moved me into a new bucket, so I did get the jump, which was immediately offset by the drop due to rebucketing.  An interesting theory, and probably the most reasonable explanation.