Established Contributor
Posts: 756
Registered: ‎01-20-2012
FINALLY over 600 and a paid collections question ;-)

Just got a FICO alert – my fico is now above 600!!  Okay it’s only 601 but I don’t care.  To my knowledge it’s never been above 600….maybe when I first got credit but never checked LOL


So my question is this.....that was a 14 point jump.


To my knowledge nothing was supposed to drop off my reports last month for an update this month.


HOWEVER, I paid 2 collections (valid, mine, local CAs etc) on November 2nd that totalled a little over $800.


I have seen it said time and time again paying a collection will not increase a Fico score.  But honestly that is the only change I can imagine having impacted my score...??

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013