Established Contributor
Ravensfan2001
Posts: 566
Registered: ‎11-10-2012
How much do you think my credit score will change?
I currently have a total of 16 collection accounts and 2 medical judgments on my CR (11 on TU, 13 on EX, and 16 on EQ). On TU, 7 are scheduled to fall off in 2013, and 6 are scheduled on EX and EQ. How much should my score change after those accounts are gone? My "positives" are an auto loan 3/2011, personal loan 8/2012, Capital One 5/2012, Fingerhut 8/2012, SDFCU Visa 10/2012, Walmart 11/2012, JC Penney 11/2012. I also have a Target card, but it hasn't been reported yet. Hopefully you can see my current scores below. Thanks.

Starting Scores: (4/16/12 lender pull) TU 596 | EX 550 | EQ 576
Mortgage Scores:(7/24/13 lender pull) TU 663 | EX 635 | EQ 649
Current Score (11/7/14): TU 664 | EX 605 (no update) | EQ 661
Goals: 680 across the board by 3/2015. Last app 7/16/14 (auto loan)
*** Homeowner 9/27/13*** All but 2 CCs are in the sock drawer!***
Valued Member
gatortrades
Posts: 44
Registered: ‎08-06-2008
Re: How much do you think my credit score will change?
You should see a bump, but in my experience with that many collections, the scores don't change much. You'll get better score jumps when you only have 1 or 2 left, I think.

Starting Score: 11.14.2012 TU-504 EQ-509 EX-524 (CC Denial Letter)
Current Score: EQ-673 TU-686 both 2/22/14
Goal Score: 720


Take the FICO Fitness Challenge
Established Contributor
Ravensfan2001
Posts: 566
Registered: ‎11-10-2012
Re: How much do you think my credit score will change?
Thanks. I'm hoping to see some kind of change!

Starting Scores: (4/16/12 lender pull) TU 596 | EX 550 | EQ 576
Mortgage Scores:(7/24/13 lender pull) TU 663 | EX 635 | EQ 649
Current Score (11/7/14): TU 664 | EX 605 (no update) | EQ 661
Goals: 680 across the board by 3/2015. Last app 7/16/14 (auto loan)
*** Homeowner 9/27/13*** All but 2 CCs are in the sock drawer!***