New Visitor
Posts: 1
Registered: ‎02-27-2013


I disputed a few delinquent accounts on my credit that were opened when I was out of country for a year so im very sure they will be removed but my question is if 3 delinquent accounts are removed how big of a difference with that even make?
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007


How big of a difference? The answer depends. It depends on what is being removed. How those were reported. How old they were and how recent and how severe the worst delinquency was at the time of the event. And what is remaining following the removal of these items. For example, if you have a collection that is 7 years old you won't see the same dramatic impact as if it were a collection being removed at one month. Or let's say it was a couple of years old. You wouldn't see much of a gain if you have 20 other negative accounts remaining. It's a YMMV. I've gained 100+ when my only collection was removed. Conversely, DW lost 30 when an older charge-off was removed because it was her oldest account.


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+