I received an alert from Experian saying my score increased by 8 points today. I looked at my credit report and noticed Portfolio Recovery is deleted from my report. I don't know why or how but I hope it stays that way.
The OC was Dots stores. The stores closed in 2015; I paid the balance in 2016 shortly after the account went to collections. I did try a goodwill email them last year but I was unsuccessful. I was told they will not remove the account since it's accurate. The account was removed from my TU report after my bk (somehow TU thought it was iib but it wasn't so they deleted it after I disputed it). I hoping it will be removed from my Equifax report as well since it is my only collection on that report.
I visited the forums today to see if this had happened to anyone else. All three of my PRA accounts (my only three collections) disappeared today, and my score shot up 39 points as a result.
I wonder what the hell happened, but I am not complaining. It will be interesting to check back here in the coming days and see if there are other similar experiences.
Congratulations! I have a couple Portfolio Recovery collections on my reports, I hope they extend the goodwill and delete my own off too
Wow...I hope and pray it comes off my Equifax report this week. Congratulations
Please update me if it comes off your other 2 reports
Me too! There is another post regarding this, apparently PRA has a new policy to delete paid/settled accounts.
Equifax increased 40 pts and Exp 47 pts both now over 700!! Just waiting on TU. My accout was paid in full earlier this year. I had been sending goodwill request and thought this was the reason until I saw the different post.