CA deleted but no score change, why?

[momof2]

I had a paid collection on my EQ CR that is listed on my CR as date assigned 9/2003, i got it deleyed, but didnt see a score change, not even 1 point, so i pulled my last free power score from SW and it showed the account no longer on my CR but my score was the same as it was before I pulled my last free report. whats going on here?

I have 1 last CA on my EQ report, i plan to send a PFD to the CA when the rebate money is deposited into my bank early may, when that one falls off will i get a score increase? if I do how many points aprox?

[Anonymous]

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momof2 wrote:

I had a paid collection on my EQ CR that is listed on my CR as date assigned 9/2003, i got it deleyed, but didnt see a score change, not even 1 point, so i pulled my last free power score from SW and it showed the account no longer on my CR but my score was the same as it was before I pulled my last free report. whats going on here?

I have 1 last CA on my EQ report, i plan to send a PFD to the CA when the rebate money is deposited into my bank early may, when that one falls off will i get a score increase? if I do how many points aprox?

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From my experience, you get very little if any score change if you still have CA remaining.

I've concluded that it isn't how many collections you have on your CR or the amount of them, it is the fact that you HAVE a collection that hurts you.

Someone(can't remember who it was) said that when their last collection fell off at the 7 year mark, they received 70 points.

[momof2]

ok than i guess i will have to wait until that happens,

last thing-- the 1 CA i have listed on my CR on the power SW report says this:

date assigned: 7/1/2004, date reported: 7/1/2005, date last active: 5/1/2004

i dont understand as far as the dates go, shouldnt the date last active be later then date reported?

when it says date assigned: does that mean that the account was assigned to the CA or the CA bought it? or does it not matter?

if this was assigned, i called the OC well they are no longer the OC as they went out of business, they were bought out by another management company the lady said about 2 or 3 years ago and that cant access the records cause they dont eaither a. have access to them or b, the no longer exist.

When the rebate money is in my account i plan to send DV like happy said to do, but my best guess is that if the account was assigned to the CA and the OC went out of business, then the CA wont be able to validate right?

[Anonymous]

Sounds like they would sure have a hard time validating.

I'd send the DV, and keep the $$ set aside for just-in-case, but sounds like you might scoot out of this one!

[momof2]

but dont the dates seem a little weird since the date of last active is earlier then the date reported, should the dates be the other way around? and yes if they cant validate then we will use the money to pay off my and DH credit card's then put the rest to savings.

also since this CA is on both our CR since it was for an apt should I send the DV w/both our names on it or do I need to send a seprate DV for him?

[Anonymous]

My only other guess is that maybe another CA had it before, so the original DOLA is 5/04, but the date this most recent CA bought the debt is 07/04??

[momof2]

their are no other CA's, they have had this since DOFD we moved out of the apt in mid 4/2004 and lease was up in 5/2004 which is when the lease was up. they contacted us once i believe in aug or sept of 2004, threatning to sue, never heard a peep from them since.

[Anonymous]

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@Anonymous wrote:

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@momof2 wrote:

I had a paid collection on my EQ CR that is listed on my CR as date assigned 9/2003, i got it deleyed, but didnt see a score change, not even 1 point, so i pulled my last free power score from SW and it showed the account no longer on my CR but my score was the same as it was before I pulled my last free report. whats going on here?

I have 1 last CA on my EQ report, i plan to send a PFD to the CA when the rebate money is deposited into my bank early may, when that one falls off will i get a score increase? if I do how many points aprox?

---

From my experience, you get very little if any score change if you still have CA remaining.

I've concluded that it isn't how many collections you have on your CR or the amount of them, it is the fact that you HAVE a collection that hurts you.

Someone(can't remember who it was) said that when their last collection fell off at the 7 year mark, they received 70 points.

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Correct...and to pick nits here, it's how recently you had that collection.

If you remove any other collection than your most recent, you will achieve little to no benefit.

OTOH, if you have three collections, one last October, one in June 2006 and the third in 2004, removing the one in 2004 is next to useless. Removing the one in 2006 won't help you much. You've got to get rid of the one last October. That would net you a good 20 to 30 points.

[momof2]

but dont the dates seem a little weird since the date of last active is earlier then the date reported, should the dates be the other way around? and yes if they cant validate then we will use the money to pay off my and DH credit card's then put the rest to savings.

also since this CA is on both our CR since it was for an apt should I send the DV w/both our names on it or do I need to send a seprate DV for him?

Does anyone know the answer to this one?

[bott6698]

sidewinder that's not correct. I had a ca removed and gained 30+ points and I still had 2 CA's remaining on EQ, and 1 on EX and TU...