Collections removed but no score increase

[Anonymous]

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@Anonymous wrote:
Thank you for explaining. I have one additional question. Once something is removed/deleted can it be added back to your report?

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Technically yes, any information that is removed can be added back at a later time.  Sometimes it can be intentional, sometimes a mistake.  I always suggest getting in writing any time a creditor is going to remove something from your report.  Have them send you a letter, fax, email, something just for "your records" and 9 times out of 10 they'll do so.  This way in the event that you ever see the negative information return (which isn't often) you have written documentation that you can provide stating that it shouldn't be there.  This documentation can used to once again get it removed, or can be used upon a manual review of your account if you're applying for a loan and want to prove to the lender that it's wrongfully reported, which they would take into consideration.

I've had a removed late payment return and was able to get it removed again by referencing a copy of the letter(s) stating that it was supposed to be removed originally.

[Anonymous]

They were disputed items removed by transunion and equifax.

[Anonymous]

Gotcha.  Did they ever send you a result of the dispute via snail mail saying that the information was going to be / had been removed?

[Anonymous]

Not yet! The dispute just ended on the 10th of April. But I have emails saying they we're deleted.

[Anonymous]

Good.  You are all set then should they ever pop back up on your credit report.

[Anonymous]

Thank you for all your advice

[Anonymous]

Any time.  Welcome to the forum!

[Anonymous]

So I had another item removed off my transunion credit report. Yet it still hasn't increased. There is only 2 negative items remaining on my report. With all the removed will my score eventually increase?

[DollyLama]

Yes once all derogs , collections, charge offs, any public records, you will see a score increase. Do you have any past late payments on your credit?

Are you subscribed to anything to give you alerts on your FICO scores as changes happen? ie balance increases, decreases, inquiries, etc?

You only speak of TU, so do you know anything of your other two reports and their scores?

[Anonymous]

On esperian I had 6 collections removed with nothing left in collections and there's one charge off I'm disputing. On Transunion I had 8 removed with 2 remaining that I'm working on being removed. On Exuifax I've had 7 removed with 2 remaining. I thought with all that being removed within this past month I would see an increase.