Credit Card Center Advertiser Disclosure

Established Member
Posts: 24
Registered: ‎10-08-2012
0 Kudos

Can my credit score reach...

My credit scores have been increasing each month. I have some old collections on my reports and am wondering if anyone knows or experienced themselves reaching a high score over time, even with collections on their reports?


I'm hoping to reach a 660+ with collections on my report. 


Note: I understand everyone's situation is different, just wondering if it's possible?

Starting scores 8/23/2012: EQ-526; TU-506; EX-548
Lender pull 10/11/2012 EQ-569; TU-531; EX-560
Lender Pull 11/5/2012 EQ-584; TU-598; EX-559
Lender pull 1/22/2013 EQ?; TU-607; Ex-539
Milestone 1: 620
Valued Contributor
Posts: 3,302
Registered: ‎06-09-2010
0 Kudos

Re: Can my credit score reach...

Yes it is possible...


I had several collections and during rebuilding process my scores reached 740's. Once I decided to do the ethical thing and pay off the collection as it did belong to me it tanked my scores back down to 651. But the good news is today which is only a few years later my scores hoover between 795 and 810 depending on how I use my CC's.

Good Luck
May all your dreams and wishes become a reality!
Frequent Contributor
Posts: 271
Registered: ‎02-05-2012
0 Kudos

Re: Can my credit score reach...

[ Edited ]

I had mid 750's last year, then an old hostipal collection resurfaced that I thought i'd paid. You know how you go to the doctors and for one visit and now you get 8 different bill statements....because different services you have to play each person seperate ( people who run lab test, the person who did your xray, fluffed your hospital well, one slipped through the cracks and i didn't even realize it because I was paying so many different people. This was the only bad thing on my credit report and i tanked down 85 points from that and nothing I did could make it passed 690. I called the collection agency and did a pay for delete and my score went back up 50 points. Now i'm at 750-760 again :-) Call them up and pay what you owe. You may even get to pay just a percentage since they bought the collection pennies on the dollar.

Current: TU 772 EQ 765 EX 760 (GE credit pull)
Goal 800+
WHAT'S IN MY WALLET: American Express Blue Cash Preferred 29,500/ Citi Simplicity 16,600 / Discover IT 16,500/ Chase freedom 4,800/ Care credit 10,000/ R us MasterCard 7,500/ kohls 2,500/ LensCrafters 2,400 / Citi Double Cash 13,200/ Amazon Visa 7,000

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.