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credi..t collections

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masseye
Contributor

credi..t collections

it looks like my gw letter to global financial has finally worked.  I had sent a gw letter to the ceo and when i checked transunion and credit check all threecollections had been deleted...... it even said that they had been deleted from Experian....from these sites... so i went and checked my fico looking for a big boost even though my util is at 14%...it only gave me a 3 point increase.  these collections are from 2005. i checked EQ and they are still there, it doesnt look like they have updated yet.  Does anyone know how long it could be.  I hope to see a boost with eq as its the lowest score.  I am hoping to have my util down under 7% atn the end of the month...do you think I will see a boost.  I do have lates with Cap One and they will not budge..

 

I am just happy that the collections are gone as they were checks that I had written and didnt look good on the report...I will keep sending gw on the lates.  Lates happened 8 months ago.

 

 

 

Message 1 of 3
2 REPLIES 2
Anonymous
Not applicable

Re: credi..t collections

I didn't get much of a boost when my last CA came off and lates over 2 years is all I had left. No charge offs, no collections.

 

Others have reported larger increases.

 

YMMV.

Message 2 of 3
llecs
Moderator Emeritus

Re: credi..t collections


masseye wrote:

...it only gave me a 3 point increase. 


Same happened to DW. Her last CA was removed and received a 3 pt gain. I pulled her FICO reports very frequently and the only change on her report was the CA's demise and an increase in util by 5% or so. She does have a pd CO showing still.

 

 

Message 3 of 3
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