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I recently, as of yesterday, found out that an $8800 collection was deleted from my credit report, due to it being wrongful in the first place. It had been on my credit report for 2 years. The credit reporting agencies are telling me that this won't increase my credit score, that it will have no affect, whatsoever, which I find very strange. I had a credit repair expert advise me that having this deleted COULD increase my score by up to 70 points or so. Has anyone had any experience with anything like this and what was the outcome?
Is this your ONE and ONLY derog on your reports? Zero other collections or charge offs?
No, it is not. I have a couple of other small medical collections.
Well, it may not apply to all. I did have a collection removed from one bureau, the other bureau is still showing and in dispute, wasn't showing on a third. My alert only showed an increase of 45 pts for this one particular bureau, and I have 1 $34 med collection still remaining on said bureau. I compared reports, nothing else changed, so I deducted this did impact my scoring. Although mostly said on forums that your score will dramatically increase once all are removed via deletion or aging off.
Yes but no explanation to trigger the alert as usual ones ie your balance has decreased by x amount. I will say, I had at the time signed up for the Credit Check total $1 7 day free trial, so pulling that report may have trigger the myfico alert.
Thanks so much! I appreciate it.