Collections Dropping Off But No Increase

[Red22]

I had 2 colloections drop off my EQ and my score remained the same.  I thought for sure I would get some kind of increase, but didn't receive anything.  I have 1 collection left to drop off next month. And 1 collection from Midland that is an old Tribute CC from 2006 that I'm debating on just paying them cuz they have not responded to a PFD, but they have sent me back payment plans!  And of course it's still showing in account section.  To anyone that reads this, do you think I have been rebucketed? or not?

[llecs]

Congrats on the dropped CAs. Typically, you won't see any improvements until the last or second to last fall off. Since you have baddies that are much newer (MCM), then those are the ones that are really hurting your score. If you have any baddies, like lates or CO'd accounts (Tribute) newer than the age of the two removed CAs, then those are hurting too.

Keep trying with MCM. There was a recent rash of PFD approvals with them it seems. Figure out what others did and see if that's duplicatable.

You could be rebucketed if your last 90+ day late or worse, including CAs and PRs, is removed. So, if that remaining CA, MCM, Tribute (if reporting as a CO), or any other account 90+ days or worse, is removed, then you could be rebucketed.