3 deletions today, only received 5 points

[Anonymous]

I disputed 3 medical bills from 2007 that were paid by insurance, today they came off, so I checked my score and it only came up 5 points, is that normal?

[llecs]

Do you have any other CAs or COs? How about payment history? And this is your FICO score from this site, right?

35% of your FICO score is payment history. Charge-offs, lates, or other collections are calculated into that 35%. So, if the history was clean, other than these, then the increase could have easily have been 100 points depending on the DOFD of these baddies.

[Anonymous]

I have 3 other med bills, and 2 30 day lates in this past year.

[llecs]

That could be it. Those recent lates are likely dragging your score down more than the collections.

[Anonymous]

And the presence of other collections keeps you in a negative bucket. Until they are all off the progress will be limited in terms of your FICO score. Each additional one that comes off will make you look better on a manual review of course.

[Junejer]

FICO scoring system only reads the most recent collection. So, if you remove a collection that is three years old and you still have a three year old collection (or a newer one) you won't see any increase.