I had an account reporting 120 days late with a $0 balance. This was not correct and account was closed paid 5 years ago. It only showed on my EQ report and it has been deleted. I ran my free credit report yesterday confirming it was gone.
Just got a call today from CA that shows on all three reports and there sending the letter to delete to all three CRA. This was a paid bill that the OC should have never turned over to collections. I got it in writing from the OC that it would be deleted and now got the call from the CA confirming it will be deleted from all three CRA.
How long should I wait before pulling my reports and scores?
How much of a score increase could I see?
Fico Scores Feb. 8th TU 649 EQ 611 EX 689
Fico Scores April 27th TU 662 EQ 619 EX ?
The only bad item showing on my credit now is for a CC that I settled on Jan 2008 paid. It shows late Dec. 2007 and Jan. 2008. I have only one open account for a auto no lates.
