Bummed no score increase :-(

[awdsmama]

I recently had 4 collection accounts deleted from TU.  My score did not change at all (pulled it yesterday on myFico, and compared it to one from 11/23 from here also). 

I was really hoping that would boost my scores. 

2 of those CA accounts deleted on EQ also (and 2 weren't reporting on EQ) and no SW alert regarding a score change :-(

[sphinx313]

That sounds a bit strange...how many overall collections did you have? How old were these in particular?

[Anonymous]

Were the account deleted due to a dispute or they simply fell off because they were 7+ years old? 

[awdsmama]

---

@sphinx313 wrote:

That sounds a bit strange...how many overall collections did you have? How old were these in particular?

---

My TU report now reflects 5 CAs left - 3 of which are paid off (I know it doesn't make a difference for scoring though).  So, I started with 9.

As for the ones deleted, this is what the previous TU myFico report said:

RJM Acquisitions, date assigned   12/2/2009

Bur Col Reco, date assigned:    6/17/2012  

Natl Recovery, date assigned:   2/6/2010

AFNI, date assigned:      6/21/ 2010

However, I know that those aren't all DOFD dates.

If I look at those accounts on my report pulled directly from TU it says:

RJM:   Est removal:  8/2013

Bur Col Reco,  est removal:   1/2014

Natl Recovery,  est removal:   7/2013

AFNI,    est removal:            10/2013

[awdsmama]

---

@Anonymous wrote:

Were the account deleted due to a dispute or they simply fell off because they were 7+ years old? 

---

1 was a PFD, 2 were disputes directly with CRA, and 1 CA deleted after DV.

[Anonymous]

---

@awdsmama wrote:

RJM:   Est removal:  8/2013

Bur Col Reco,  est removal:   1/2014

Natl Recovery,  est removal:   7/2013

AFNI,    est removal:            10/2013

---

Since they were so old, could it be that they really weren't impacing the score at all?

[igids1]

It is my opinion, that collections are sort of "grouped" for purposes of scoring. So, for instance 1 collection=x points 2-3=x points4-6=x points 7-15=x points. So in that example, whether you have 7 or 12 collections your score is the same. So, for your situation, fico is saying you are the same risk whether you have 5 collections or 9 collections. I am surprised though, to be honest, that with 4 removed, one being recent, there was no move at all. I would give it a few days to a month and check again.

[awdsmama]

---

@Anonymous wrote:

---

@awdsmama wrote:

RJM:   Est removal:  8/2013

Bur Col Reco,  est removal:   1/2014

Natl Recovery,  est removal:   7/2013

AFNI,    est removal:            10/2013

---

Since they were so old, could it be that they really weren't impacing the score at all?

---

I could understand no movement for 1 old account deleting but I thought 4 would make an impact :/

[awdsmama]

OH well.....at least the accounts are gone.  

I was just REALLY wanting a TU score increase to help my approval-odds - I want to app for the WalMart card since I don't have any open CCs.     Now, I'm not sure if I should or not.  

[Jutz]

I think you may still see an effect from it, I'd agree, there's no way 4 accounts weren't affecting your score at all.