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Collections Deleted?

Brewmeister
Regular Contributor

Collections Deleted?

I submitted a dispute for my 2 collections a couple weeks ago. I got this (screen shot) today

deleted.jpg

 

 

SUCCESS! Right?

 

What effect will having one remoed from my credit report have? My Experian Mortgage Score was at 602...

Sucks I still have one on there but dropping from 2 to 1 collection will jump m... 5 points...50 points?

 

any insight would be great

Rebuilding - Starting Scores: EQ 584 | TU 580 | EX 580 (Oct. '17) --- Current FICO 8 Scores: EQ 651 | TU 664 | EX 650
$46,450 Limit




Message 1 of 5
4 REPLIES 4
Brewmeister
Regular Contributor

Re: Collections Deleted?

UPDATE...

 

Looks like FICO 8 went from 638 to 646

and Mortgage FICO 2 went from 602 to 650!

 

I hope this is correct. Does that sound right?

Rebuilding - Starting Scores: EQ 584 | TU 580 | EX 580 (Oct. '17) --- Current FICO 8 Scores: EQ 651 | TU 664 | EX 650
$46,450 Limit




Message 2 of 5
EveWasFramed
Contributor

Re: Collections Deleted?

The same thing happened to me when I sent them(Portfolio) a PFD. They responded as though it were a dispute. My assumption is that they will be re-reporting it shortly. I'm so upset about it. 

Message 3 of 5
Brewmeister
Regular Contributor

Re: Collections Deleted?

Really? That's awful. This wasn't a PFD though. Maybe thats the difference...?

Rebuilding - Starting Scores: EQ 584 | TU 580 | EX 580 (Oct. '17) --- Current FICO 8 Scores: EQ 651 | TU 664 | EX 650
$46,450 Limit




Message 4 of 5
EveWasFramed
Contributor

Re: Collections Deleted?

They treated my PFD letter as a dispute. I got two form letters from them today verifying my debt, even though I never disputed it. No reference to anything I actually wrote in the letter. 

 

Having this collection removed was the difference between qualifying for a mortgage and not. I'm going to be homeless over a $700 collection bill that I'd gladly pay three times over to make it go away. PRA is an absolutely awful company. 

 

Message 5 of 5
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