What can i expect from deletions?

[Anonymous]

Hey guys, I am back again repairing. I was doing awesome up until 2 years ago, then I got sick and it all snow balled. Ugh. So wondering what you all think will happen based on this.

Right now I am using the 609 processes to get things removed. I got my first round back from Experian, but waiting on Transunion and Equifax.

Red is what came back as will be deleted in a letter from the CB

Experian:

AAMS $25  Open Date: 8/1/2016 Medical

AAMS $143 Open Date 3/1/2016 Medical

Credit Collection Services $83 Open Date: 10/1/2016 Internet bill

Capital One $989 Open Date: 12/2014 Closed Charge off

Capital One $931 Open Date 12/1/2014 Closed Charged off

Capital One $590 Open Date 2/1/2014 Closed Charged off

Verizon Wireless $362 Open Date 5/1/2013 Closed Charged off

Jefferson Capital $200 Date Opened 2/1/2016 Closed Charged Off

AAMS $400 Open Date: 3/1/2016  Medical

Credit One Bank $0 Open Date 3/1/2015 Closed Charge Off

JH Portfolio $296 Date Opened 5/1/2016 Younkers CC

Midland Funding $696 Date Opened 2/1/2016 Credit One

Midland Funding $449 Date Opened 1/1/2016 walmart cc

Nordstrom $430 Date Opened 11/1/2014 Nordstrom CC  Closed Charge off

SYNCB/Amazon $0 Open Date 1/1/2015 Closed Charged off

Portfolio Recocvery $808  Open Date 12/16 ( same as account listed above just purch by portfolio)

SYNCB/Wallmart $0 Open Date:12/1/2014 Closed Charged off

Webbank/Finger Hut $0 Open Date: 11/1/2014 Closed charged off

Open Loans:

Ally Car $15,000

Credit Union $7,000

Both opened end of Feb 2017, 100% ontime payments

Student loans 100% ontime payment $27,000 owing.

Closed Loan:

Credit union: $0 Paid Satisfactory ( signed the loan over to someone else paid 100% on time since 8/1/2014)

9 hard inquires.

So with those 8 things being removed soon, any guess to how much more score will go up to? Score I have currently for Experian is 496.

[rmduhon]

Since you still have about 10 collections/charge offs on your report you might get around 5 points, if you get any at all.

[Anonymous]

From 8 things being removed you think i will only get 5 points?! holy smoked. Not at all what I was guessing. Why do you think that?

[Anonymous]

---

@Anonymous wrote:

From 8 things being removed you think i will only get 5 points?! holy smoked. Not at all what I was guessing. Why do you think that?

---

Unfortunately, it's true. You may not even get five points. When you have several other derogatories or your reports you will gain next to nothing. 

You WILL NOT see a significant score increase until your VERY LAST baddie is gone.

[Anonymous]

well that totally sucks. fingers cross who knows.

[Anonymous]

I've seen people on here who have baddies deleted and get a nice point increase still with more work left to do. Let us know your results.

[Anonymous]

I've had charged off accounts as well as late payments removed but because I still have late payments and a charge off, I saw no change at all. The only change I see is a. Aging my report and b. Making on time payments and continuing to further myself from the baddies.

[Anonymous]

That is, of course, until I (hopefully) have all my baddies removed or those baddies age off (still have three years for this but god **bleep** is three better than seven).

[Anonymous]

---

@Anonymous wrote:

---

@Anonymous wrote:

From 8 things being removed you think i will only get 5 points?! holy smoked. Not at all what I was guessing. Why do you think that?

---

Unfortunately, it's true. You may not even get five points. When you have several other derogatories or your reports you will gain next to nothing. 

You WILL NOT see a significant score increase until your VERY LAST baddie is gone.

---

That is not true at all.  I have a foreclosure,  a second mortgage charge off and a motorcycle repo and charge off on my report.  When my two credit card charge offs came off my score went from, 640 to 710.