Question on CA Collections Removal- Time frame and how big of a jump in score?

[Anonymous]

I did a PFD for 3 collections at a CA and the final payment was done on November 30th. I still have not seen them taken off the report. How long do you think it should take. (I'm waiting for my score watch email very anxiously!) Do you think this will make a decent jump in my score? I hope so, because right now i'm at 536 So disappointed, Thanks everyone!

[Anonymous]

30-60 days. I would think you will see an increase. How much is anyone's guess. If the CA was an older account, you will probably see a smaller increase than if the CA was fairly new.

In any event - congrats. Getting any kind of baddie removed is a good thing. You're on the right track.

[Anonymous]

Thanks for your reply Cobra. They were all from October 07, so pretty new. 30-60 days eh... ugh, thats a long time! LOL!

[coachhenson]

I had a newer collection deleted and it made my score jump 30 points.

[MidnightVoice]

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coachhenson wrote:

I had a newer collection deleted and it made my score jump 30 points.

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My wife had a 6.75 year old collection drop off (the only baddie) and got an EQ jump of 56 points

[Anonymous]

cf.............I bet to you 30-60 days seems like an eternity when you are waiting for something good to happen. Pateince..............I suspect it will be worth the wait. 

[Anonymous]

MV.......that is fantastic. My sister had a almost 7-year old drop off and she realized 2 points.

[MidnightVoice]

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cobra19 wrote:

MV.......that is fantastic. My sister had a almost 7-year old drop off and she realized 2 points.

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I was surprised - but it was the only change.  It was the also the only derog on her EQ report - went from 720 to 776 that day

[BBYGRL]

Patience is key.  It's hard but hopefully it will pay off for you.  I had a item deleted in Nov. and one of my scores jumped 62 points. I can't explain it but I'm not complaining.

[llecs]

I think the score change, for a dropped collections, is based on how many you have on your report to begin with. For example, if you have a dozen plus collections and only one drops off, you might not get much of a score boost. Whereas, if you only have one and that one drops, you'd probably have a higher increase.