2 collections deleted and no FICO score changes

[Anonymous]

I just 2 collections removed , one was medical and the other was with CMI, I purchased my Equifax FICO score and what a waste of money    no score changes

Do you think that will change sometime soon??

[Anonymous]

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bint-bilady wrote:

I just 2 collections removed , one was medical and the other was with CMI, I purchased my Equifax FICO score and what a waste of money    no score changes

Do you think that will change sometime soon??

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How old were the collections?

[Anonymous]

2 and 3 years old accounts. I did have them removed from TU and they changed my score dramatically. It was over 100 points increase on my TU score. 

[Anonymous]

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bint-bilady wrote:

2 and 3 years old accounts. I did have them removed from TU and they changed my score dramatically. It was over 100 points increase on my TU score. 

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Oh, yeah, then you should see a score increase, give it a little more time!

[Anonymous]

myFICO is instant...you should have had an increase..as soon as they were deleted....are you sure it was deleted off the other CRA yet???..

[Anonymous]

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bint-bilady wrote:

2 and 3 years old accounts. I did have them removed from TU and they changed my score dramatically. It was over 100 points increase on my TU score. 

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Were they your only collections on TU?

Were they your only collections on EQ?

The older the collections and if you still have more collections the less score change.

If they were fairly new or your only ones, you should have seen a change. Did anything else happen on your EQ report?

You should get the score change as soon as they are off. Your score is based on your credit report at the very moment it is calculated.

[Anonymous]

EQ makes me sick. i got 6 collections deleted. 4 at one time and had a 60 point change but the last two were new ones. a six point change. they make me so mad!! they are haters!! EQ is trying to stop me from getting my Escalade! LOL!!

[Anonymous]

Thanks everyone for the input.

yes I am sure they have been taken completely off, it is either today or yesterday because I haven't updated my TC files for the past couple of days. I have also pulled my FICO scores and did see them disappeard from my FICO report. I was hoping for a little increase to hit the 600's since I am at 596 score.

[Anonymous]

sidewinder:

No they were not the only TU collections, there was a third one but that one was deleted waaay after these two removed and saw score increase.

Nope, I did have other 2 collection in EQ, and a paid charge off verizon account

The only thing that happened in my Equifax is my utilization went down to 3% after it was 40% and I thought that is suppose to be a big score pump , what am I doing wrong??

Message Edited by bint-bilady on 05-15-2008 04:40 PM

Message Edited by bint-bilady on 05-15-2008 04:40 PM