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Removing collection

Community Leader
Valued Contributor

Removing collection

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?



EQ 679 EXP 700 TU 763
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Community Leader
Valued Contributor

Re: Removing collection

Anyone?



EQ 679 EXP 700 TU 763
Message 2 of 3
Highlighted
Established Contributor

Re: Removing collection

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.

Fico 8 starting scores 09/27/15 EQ: 646 TU: 622 EX: 668 5 collections 1 PR reporting across the board
Scores 06/30/16 EQ: 685 TU: 699 EX: 695 1 collection now reporting on EQ and EX and 1 PR on EQ
Current scores 11/4/2016 EQ 688 TU: 705 EX: 736 No collections no PR/Judgements Finally Clean
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