Established Member
dciples
Posts: 24
Registered: ‎10-08-2012
Can a credit score get really high with...

My credit scores have been increasing each month. I have some old collections on my reports and am wondering if anyone knows or experienced themselves reaching a high score over time, even with collections on their reports?

 

I'm hoping to reach a 660+ with collections on my report. 

 

Note: I understand everyone's situation is different, just wondering if it's possible?

Starting scores 8/23/2012: EQ-526; TU-506; EX-548
Lender pull 10/11/2012 EQ-569; TU-531; EX-560
Lender Pull 11/5/2012 EQ-584; TU-598; EX-559
Lender pull 1/22/2013 EQ?; TU-607; Ex-539
Milestone 1: 620
Regular Contributor
mnosal9
Posts: 236
Registered: ‎05-06-2008
Re: Can a credit score get really high with...

Yes it is possible, As the collection ages the scores will go up then when it falls off there wont be that much of a difference in your scores all depending on the age of the collection. Try disputing it if its paid.

Starting: 6/2012 : EX: 485(FAKO) EQ: 490(FICO) Trans: 482(FAKO)
Current : 4/2014: EX: 650(FICO) EQ: 664 (FICO) Trans: 681 (FICO)

Cards: NPSL Amex Green (AU), $10000 Discover IT, $4000 Quicksilver One, $3500 Bank of America Travel Rewards, $3000 Quicksilver One, $3000 AA, $2500 Sallie Mae MC $2000, Citibank AA, $1500 Barclay, $1200 Macys, $1000 Amex BCE

~Back to the Garden~

Goal Score: 700 Across!

Gardening til 8/2014!!
Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008
Re: Can a credit score get really high with...
[ Edited ]
Established Member
dciples
Posts: 24
Registered: ‎10-08-2012
Re: Can a credit score get really high with...

So far, they are not paid at all. 

Starting scores 8/23/2012: EQ-526; TU-506; EX-548
Lender pull 10/11/2012 EQ-569; TU-531; EX-560
Lender Pull 11/5/2012 EQ-584; TU-598; EX-559
Lender pull 1/22/2013 EQ?; TU-607; Ex-539
Milestone 1: 620
Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008
Re: Can a credit score get really high with...
Established Member
dciples
Posts: 24
Registered: ‎10-08-2012
Re: Can a credit score get really high with...

Yes, they are mine. They range from less than a year to over 6 years. I do understand the whole falling off after 7 yrs.

Starting scores 8/23/2012: EQ-526; TU-506; EX-548
Lender pull 10/11/2012 EQ-569; TU-531; EX-560
Lender Pull 11/5/2012 EQ-584; TU-598; EX-559
Lender pull 1/22/2013 EQ?; TU-607; Ex-539
Milestone 1: 620
Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008
Re: Can a credit score get really high with...

It really depends on what you want to accomplish.

 

The newer the collection the bigger impact on your score.  If you have the funds to pay, you can start with sending DV letters.  If they validate, send a PFD.

 

What is your states SOL on debt?

Regular Contributor
Mondavi
Posts: 221
Registered: ‎06-12-2012
Re: Can a credit score get really high with...

Well the negatives that are less than a year are the ones really hurting your scores. I have 3 CO's still on my report two are over six years old and one is over five years old with a balance still. My util is at 3%. I still have two FICO scores just over 700.

 

The collections that are over six years old you could always dispute, however if they are unpaid you may wake a sleeping dog. Could you give us an idea on what collections you have? Some of these collections agenices will do Pay for Delete letters.

Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008
Re: Can a credit score get really high with...

Mondavi wrote:

Well the negatives that are less than a year are the ones really hurting your scores. I have 3 CO's still on my report two are over six years old and one is over five years old with a balance still. My util is at 3%. I still have two FICO scores just over 700.

 

The collections that are over six years old you could always dispute, however if they are unpaid you may wake a sleeping dog. Could you give us an idea on what collections you have? Some of these collections agenices will do Pay for Delete letters.


You cannot dispute accurate information.  Just because they are over 6 years old does not make them disputable.

Established Member
dciples
Posts: 24
Registered: ‎10-08-2012
Re: Can a credit score get really high with...

Like 3 Medical collections (Express Recovery, IC Sysyems INC and Metro Area Collections) and 1 old Verizon bill that went to Pinnacle Financial (Oxford Law was hired from them), for $520. Pinnacle said flat out they won't do a PFD. I've sent PFD to the med collections. Heard from 2, still waiting on one. 

Starting scores 8/23/2012: EQ-526; TU-506; EX-548
Lender pull 10/11/2012 EQ-569; TU-531; EX-560
Lender Pull 11/5/2012 EQ-584; TU-598; EX-559
Lender pull 1/22/2013 EQ?; TU-607; Ex-539
Milestone 1: 620