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Regular Contributor
Posts: 216
Registered: ‎06-06-2007
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Two collections deleted. When should scores change?

I just had 2 medical collections deleted from my reports (all 3). Smiley Very Happy  I just got the notice from Equifax today that they were deleted from my file (EQ was the last to delete).  I am dying to pull my scores to see if there's any change, but I'm sitting on my hands for now.   How long should I wait to pull my FICO scores?
 
TIA
-shawnette
Frequent Contributor
Posts: 388
Registered: ‎09-06-2007
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Re: Two collections deleted. When should scores change?

Pull them tomorrow, you should see a generous increase (assuming you don't have a lot more collections to get rid of).
 
Any other baddies or were these your only collections? If you have quite a few collections, getting 2 deleted might not warrant a big score jump.
Wisdom doesn't automatically come with old age. Nothing does - except wrinkles. It's true, some wines improve with age... but only if the grapes were good in the first place.
Regular Contributor
Posts: 216
Registered: ‎06-06-2007
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Re: Two collections deleted. When should scores change?

I still have 3 left.  Two fall off next year and one is new.  It was an oversight that I intend to pay.  I sent letter for PFD but haven't heard back, yet.
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Posts: 16,383
Registered: ‎03-12-2007
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Re: Two collections deleted. When should scores change?



shawnette wrote:
I still have 3 left.  Two fall off next year and one is new.  It was an oversight that I intend to pay.  I sent letter for PFD but haven't heard back, yet.



How old were the two collections that were deleted?
Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Regular Contributor
Posts: 216
Registered: ‎06-06-2007
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Re: Two collections deleted. When should scores change?



fused wrote:

How old were the two collections that were deleted?


$279 - 3yrs
$50 - 2yrs
 
And actually, I just looked at one of my old reports and they were showing as delinquent open accounts on EQ, collections on TU & EX.  What kind of difference does that make?
Moderator Emeritus
Posts: 16,383
Registered: ‎03-12-2007
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Re: Two collections deleted. When should scores change?

How old are the remaining three?
Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Regular Contributor
Posts: 216
Registered: ‎06-06-2007
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Re: Two collections deleted. When should scores change?

[ Edited ]


fused wrote:
How old are the remaining three?


2 months, 6.5yrs & 7yrs.  I've been pretty good for several years.  The new collection was simply an oversight on my part. (Thought it was paid, never received any notices until collection).  The 2 that were just deleted were bogus.


Message Edited by shawnette on 11-23-2007 05:57 PM

Message Edited by shawnette on 11-23-2007 05:59 PM
Moderator Emeritus
Posts: 16,383
Registered: ‎03-12-2007
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Re: Two collections deleted. When should scores change?



shawnette wrote:


fused wrote:
How old are the remaining three?


2 months, 6.5yrs & 7yrs.  I've been pretty good for several years.  The new collection was simply an oversight on my part. (Thought it was paid, never received any notices until collection).  The 2 that were just deleted were bogus.


Message Edited by shawnette on 11-23-2007 05:57 PM

Message Edited by shawnette on 11-23-2007 05:59 PM

The two remaining old collections are having little affect on your scores but the 2 month old one is a very negative effect. Seeing that you just had a collection 2 years old deleted, you should see a modest point increase.
Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
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