Just for the collective knowledge, I had a collection that is exactly 4 years old fall off my TU CR yesterday and it raised my FICO 8 score exactly 10 points from 715 to 725. Current reported util is 19% ish and UUoA is 3.5 years or so, oldest account 9 years, several installment loans, no lates.
This was my last baddie so I was somewhat worried that I would be rebucketed, but I still experienced a score increase.
It'll be interesting to see what EX and EQ do if/when this CA is removed.
