How much will my score increase?

[Anonymous]

I have 3 med collections totaling 678.75. Two were place in 07/2006 and the other 04/2007. I am current on all my bills and have no other collections. My Fico is 632 now. How much of an increase will I see if these are deleted? I called the collection agency to get the address and was told that once they are paid, the agency (Ar Resources) auto delete them from my CR.

[fused]

Did you get this agreement in writing? Since you have no other baddies, what is your current CC util? Both individual and overall util?

[Anonymous]

I have two cc, 1 500.00 limit $0 bal, and the other 300.00 limint 25.00 balance.

student loan thats current, 1k bal.

[fused]

I would expect a pretty big gain in points. Do you have a written agree with the CA to delete?

[Anonymous]

Hi , I did not get it in writing. I wanted to pay them then go through the hippa process to get them deleted. When I called to ask how long it would take to have my CR updated as paid, she stated they delete them off completely. So she really just voluntered that info b/c I didnt request that they be deleted.

[fused]

Do you subscribe to a credit monitoring service? Have you pulled your reports recently?

[Anonymous]

I don't subscride to a monotoring service.  I pulled my scores from here.

5-5-09 TU 632

4-30-09 EQ 539

My LO pulled Experian on4-24-09 and it was 657.