https://ficoforums.myfico.com/t5/General-Credit-Topics/Collections-Aging/m-p/441235#M124318 I'd hold off disputing that OC. Is there anything negative listed on that TL? Removing it could drop your AAoA and your score. It depends on how old that TL is in relation to your avg. age. I removed a CO once and my score dropped. The history was helping more than the baddie was hurting. <BR /><BR />You can get the CAs removed earlier. The damage does lessen with time, but not by a whole bunch. Some have received large gains with 7 yo CAs dropping off. <BR /><BR />If all the info on your reports are the same (same OCs, CAs, dates, pmt history, balances, etc.) the score would be fairly close, likely within 10-15 points of one another. But small things like a date, balance, or late placement can throw off a report by quite a bit of points.<BR /><BR /> Thu, 19 Feb 2009 15:03:21 GMT llecs 2009-02-19T15:03:21Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Collections-Aging/m-p/441228#M124317 <P>I pulled my report on here and was glad to see it wasn't quite as bad as i thought.&nbsp; It came up 637, and the one bad revolving item should drop off by April, and i'm disputing that becuase the DOFD was in 2000.&nbsp; Beyond that, my student loan negative items should be dropping off in the coming months because i completed their program to bring them current.&nbsp;&nbsp; the other negatives are CA.&nbsp; Obvsiiously there's nothing I can do with these other than wait them out...as they age does it help my score more?</P><P>&nbsp;</P><P>Also, unrelated, what are the experiences people have with the variations among the 3 CRA's.&nbsp; How different of a score are they, or are they generally pretty close?</P> Thu, 19 Feb 2009 14:52:34 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Collections-Aging/m-p/441228#M124317 EaglesFan2006 2009-02-19T14:52:34Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Collections-Aging/m-p/441235#M124318 I'd hold off disputing that OC. Is there anything negative listed on that TL? Removing it could drop your AAoA and your score. It depends on how old that TL is in relation to your avg. age. I removed a CO once and my score dropped. The history was helping more than the baddie was hurting. <BR /><BR />You can get the CAs removed earlier. The damage does lessen with time, but not by a whole bunch. Some have received large gains with 7 yo CAs dropping off. <BR /><BR />If all the info on your reports are the same (same OCs, CAs, dates, pmt history, balances, etc.) the score would be fairly close, likely within 10-15 points of one another. But small things like a date, balance, or late placement can throw off a report by quite a bit of points.<BR /><BR /> Thu, 19 Feb 2009 15:03:21 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Collections-Aging/m-p/441235#M124318 llecs 2009-02-19T15:03:21Z