I'm trying to help my sister with her credit and budget. She has a recent collection from a medical bill that was placed on her report in October for $900. She also had mortgage lates in 2013 that were 120 days late. If she gets the collection removed, will she see a decent bump in score or is the mortgage late at 120 days going to keep the score from increasing?
It's hard to say, cause those lates are there, she may see a few points bump or possibly higher depending on the rest of her profile.