Just went through this myself with PRA. Similar situation as you, but with just one CA with PRA and no OC reporting. VantageScore 3.0 jumped when the CA was reported closed with a $0 balance, as VS ignores paid CAs. Upon the CA being deleted, FICO 8 jumped +37 on EX, and +36 on TU. Good luck.
Congrats! Been patiently waiting to see what it did in your favor. Sweet! Hit it out of the ballpark. Dont let history repeats itself. Your in good shape now. Enjoy!
@blb2397 wrote:Ok so I have seen this asked before and I know it's hard to predict, but so are football teams success and many do it anyway
So a guess is fine.
All fico scores sit around 700.
I had 3 PRA collections without the original credit line reporting as the only derogatories on reports but payment just cleared.
Am I looking at any significant bump.
I was hoping that leaving me with zero negatives would make the increase more prominent but that's just a guess.
Jets Prediction 5-11
Just curious.
How were you able to get the collections removed?
Just curious.
How were you able to get the collections removed?
Portfolio Recovery Associates (PRA) does Pay-For-Delete (PFD) as their standard practice. You pay/settle a debt with them, and they remove their tradeline from your reports approximately 30 days later. If only all collection agencies were so easy to get a PFD from.