Was this your only 3 collections? Have you verified that they came off of your report? What other baddies do you have? How old were these collections?
In some cases if you have a lot of collections removing 3 won't cause a score change. Also if you newer collections and removed 3 old ones it could cause the score to stay the same.
Keep on the other negatives, your score will go up! Good luck!
Starting Score: 504
Current Score: EQ FICO 819, TU08 778, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Thanks Shogun, you and Jamie are certainly encouraging.
Their are 5 collections left. Two from over 4 years ago.
3 from within the last year. The ones that were removed two are from within the last year, and one from 2010.
This is what is left, I have a PFD letter for the 156 and the 92.00 will be removed once that is paid.
FIRST FEDERAL CREDIT CONTR
Date Reported: 09/2012
Date Assigned: 02/2008
Creditor Name:
Account Number:
Account Owner: Individual Account.
Original Amount Owned: $564
Date of 1 st Delinquency: 03/2007
Balance Date: 09/2012
Balance Owned: $564
Last Payment Date:
Status Date: 09/2012
Status: D - Unpaid
Comments: Consumer disputes this account information, Collection account
FIRST FEDERAL CREDIT CONTR
Date Reported: 09/2012
Date Assigned: 01/2009
Creditor Classification: Medical/Health Care
Creditor Name:
Account Number:
Account Owner: Individual Account.
Original Amount Owned: $231
Date of 1 st Delinquency: 08/2008
Balance Date: 09/2012
Balance Owned: $231
Last Payment Date:
Status Date: 09/2012
Status: D - Unpaid
Comments: Consumer disputes this account information, Medical
LRS DEBT COLLECTION GROUP
Dispute Item
Date Reported: 08/2012
Date Assigned: 01/2011
Creditor Classification: Medical/Health Care
Creditor Name:
Account Number:
Account Owner: Individual Account.
Original Amount Owned: $259
Date of 1 st Delinquency: 09/2010
Balance Date: 08/2012
Balance Owned: $259
Last Payment Date:
Status Date: 08/2012
Status: D - Unpaid
Comments: Medical
SOUTHERN CREDIT RECOVERY
Dispute Item
Date Reported: 08/2012
Date Assigned: 03/2012
Creditor Classification: Medical/Health Care
Creditor Name:
Account Number:
Account Owner: Individual Account.
Original Amount Owned: $92
Date of 1 st Delinquency: 07/2011
Balance Date: 08/2012
Balance Owned: $92
Last Payment Date:
Status Date: 08/2012
Status: D - Unpaid
Comments: Medical
CSD COLLECTION SPECIALIST
Date Reported: 04/2012
Date Assigned: 03/2012
Creditor Classification: Medical/Health Care
Account Owner: Individual Account.
Original Amount Owned: $156
Date of 1 st Delinquency: 11/2010
Balance Date: 04/2012
Balance Owned: $156
Last Payment Date:
Status Date: 04/2012
Status: D - Unpaid
Comments: Medical
That'll just leave 3, big improvement!
Starting Score: 504Current Score: EQ FICO 819, TU08 778, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
