Collections Deleted using PFD but score has not changed much

[tiff]

I have had 11 collection removed from my credit report since march 4, 08 using the PFD method.  I have not however seen my score move much.  my score was 544 before the 11 deletes and now it's 553.  this is only 13 points.  something is diffentiantly wrong with this picture.  Please help!

[Anonymous]

That does seem EXTREMELY strange...did you purchase your score...or are you depending on scorewatch..also...how old are the collection that were deleted..and how many are left...

[llecs]

Welcome to the forums!

Were all of these 11 from collection agencies (not OCs) and were for sure deleted? How many more do you have? How old were these?

I ask this to because some have done PFDs and the CAs wouldn't delete. Often they will rely on SW only rather than pulling their report to confirm.

Also, if you had 11 CAs deleted, and have 8 more out there for example, you may not get much of an increase. You'll see the big changes when you drop the last 1-4 or so. Also, age of the CA plays into it, but plenty have reported removing their last CA at 7 yrs old and have seen a sizable increase.

BUT CONGRATS on the PFDs!!!!! That's amazing. Which CAs were they?

[Anonymous]

I have that problem too. I had one collection drop off my TU report yesterday but my score didn't change at all.  

[tiff]

Thanks for the quick responses. 

I purchase the score watch product for 8.95 monthly. 

Of the collections 11 that were deleted, I had 4 from 2007, 1 from 8/06, 2 from 5/05, 2 from '04 and 2 from '03.  I have 1 remaining unpaid collection from '8/06 and 1 paid collection from '05.  I awaiting a medical claim for the unpaid one.  The collection agency agreed to delete after the claim is paid.  

thanks,

[Anonymous]

Spend the money and by your scores...they might be higher than what you think..scorewatch is slow...you should have some sort of increase...Congrats though!!...thats great news to have so many deleted!!!

[tiff]

They all were from collection agencies.  They were not items from original creditors.  I only have 1 unpaid left that shows a last active date of May '07.  The collection agencies were: southern credit recovery, certified bureau of the south, and CBCS (hard fight).  This was very time consuming, but I kept pressing.  To GOD be the glory for giving me the stregthen to do this.

What the deal with score watch?  I thought this was the official score.

[tiff]

But them from who?  Are you saying buy them from the individual credit bureaus?  If so,  I thought these were not true scores.  FAKOs?

[Anonymous]

It is a TRUE FICO...but the alerts for score changes are slow...buy them from myFICO...

When was your last alert????

[tiff]

I did purchase from myFico?  I did that today and found that my score was only 553 with equifax.  I have a subscription with experian's freecreditreport.com and my score with them is 629?  Same information.  I don't understand?