Collection removed - score improvement

[House2021]

I am getting one collection account removed, I have 10-12 others. How much of a score improvement have you seen when you have had one of many collections removed?

[Anonymous]

I hate to be pessimistic, but you may not see any change. If you do, Count it a blessing.

[Anonymous]

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@House2021 wrote:

I am getting one collection account removed, I have 10-12 others. How much of a score improvement have you seen when you have had one of many collections removed?

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+1 to what Birdman said.

Expect very little to no gain.

I started with probably 13+ CAs and have seen basically zero score change with each coming off. Maybe a point or two, usually none.

My SO had his last of several CAs come off 2 of the 3 bureaus (1 left that only reports to 1 bureau) and saw a good 30-40 pt gain (depending on bureau/score). It could have possibly been a bigger gain, but he still had many defaulted student loans with many lates and 2 charge offs, so he was still on a dirty score card.

I personally think it doesn't really matter how many CAs you have (1 or 100), you will not see the good score increase until the last one comes off.

Sorry I do not have better news. Just keep workibg towards getting PFD (pay for delete) arrangements for all of them, or perhaps in your case they all age off soon.

I am holding out on 2 of my last 4 because they do not PFD and they age off this year. The last 2 PFD and will remain on my reports more than a year from now, so those are the ones I am really working on and hope to get a decent score gain from it.

[Anonymous]

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@House2021 wrote:

I am getting one collection account removed, I have 10-12 others. How much of a score improvement have you seen when you have had one of many collections removed?

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Tough to say without knowing the age of all of the collections, but as the first 2 replies stated my guess would also be little to nothing.

The only way you would expect to see a notable score jump would be if all of your other collections were significantly aged, say 5+ years and the one you were having removed was recent, within the last 2 years.  That would take the age of your most recent collection from under 2 years to over 5 years.  My guess though is that this unique scenario doesn't match what you've got going on. 

[House2021]

Actually they are all five years old except one that's 4.5 years old and that last one is not the collection being removed. 

[Anonymous]

Your expectaton then would be no scoring gain with the removal of one of the old collections.