The1, basically the FICO scoring system only reads one collection at a time. IOW, only one collection is hurting your score at a time. So, if the two you got removed were three years old, but the one that remains is two and a half years old, it was the only one hurting your score anyway, so therefore, no score increase. Take heart though, YOU GOT TWO COLLECTIONS EXPUNGED FROM YOUR REPORTS. Keep pushing to get that final one removed, you should see quite the score bump from that final removal. GL