How many points do removed "new" collections add back to your FICO score?

[BlessedHappiness]

Hi,

Typically how many points are gained from removed collections?  This is for Experian Fico. Score is currently 502 Ex

I had a successful month and was able to get 9 collections removed.  They are paid.  I am on a mission to pay off all debt so I do not have to worry about it every again after it is resolved.  This is my goal for the remainder of 2014.

Three I disputed right away and waiting for those to fall off. Accounts are paid in full. These were never my responsibility and my insurance provider ended up paying the remaining balance.  The three I am waiting to come off now are newer collections with original fall off dates of:

1) Original fall off date of 10/19 - currently being deleted

2) Origianl fall off date of 09/18 - currently being deleted

3) Original fall off date of 01/20 - currently being deleted

Others to be removed in the next two weeks - all paid in full

1) Original fall off date of 03/16

2) Original fall off date of 07/18

3) Original fall off date of 04/16

4) Original fall off date of 12/18

Others already gone

1) Original fall off date of 12/19 - CA did not have authority to collect.

2) Original fall off date of 01/21 - Deleted - CA Fraudulently tried to re-age an account due to fall off next year

I did not see a huge bump when these were removed because a new collection posted the same day (interestingly enough)

[gdale6]

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@BlessedHappiness wrote:

Hi,

Typically how many points are gained from removed collections?  This is for Experian Fico. Score is currently 502 Ex

I had a successful month and was able to get 9 collections removed.  They are paid.  I am on a mission to pay off all debt so I do not have to worry about it every again after it is resolved.  This is my goal for the remainder of 2014.

Three I disputed right away and waiting for those to fall off. Accounts are paid in full. These were never my responsibility and my insurance provider ended up paying the remaining balance.  The three I am waiting to come off now are newer collections with original fall off dates of:

1) Original fall off date of 10/19 - currently being deleted

2) Origianl fall off date of 09/18 - currently being deleted

3) Original fall off date of 01/20 - currently being deleted

Others to be removed in the next two weeks - all paid in full

1) Original fall off date of 03/16

2) Original fall off date of 07/18

3) Original fall off date of 04/16

4) Original fall off date of 12/18

Others already gone

1) Original fall off date of 12/19 - CA did not have authority to collect.

2) Original fall off date of 01/21 - Deleted - CA Fraudulently tried to re-age an account due to fall off next year

I did not see a huge bump when these were removed because a new collection posted the same day (interestingly enough)

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It depends on your overall profile, typically the higher your score is the more points a new collection will hurt. There is no way to tell you how many points you will recover once all of them are gone.

[Anonymous]

My Experian went up 15 points when 1 collection was removed but I still have another on it. My Equifax went up 60 points when they took both off. It depends on your overall profile and having any collections will prevent a big jump. I have 12 positive accounts that have never been late and one negative car loan with multiple 90 day lates loan paid off in 2010.

[Anonymous]

Sometimes the scoring is strange to me anyway.  I had a CO account that was updated from $31k balance to $0 balance.  MyFico score change was 591 to 605.  Then for reasons I am still trying to work out EXP updates same account back to showing $31k balance so MyFico score change 605 to 575.  Makes you say hmmm and other things I can't repeat!