Posting as a datapoint just in case it is helped, I had a collection from Sprint in June 2013 that is finally off my Equifax report. It has already been gone on my TU and EX reports. I am still waiting for MyFICO to update the Equifax regular FICO 8 score but I do get my Bank Card score from Citi, my score jumped from 751 to 832. I get my next 3B report in November and I will see how it impacts my EQ mortgage scores, currently EQ is my lowest at 707 (MMS is 776 with TU and Highest is EX at 819). Really hoping this collection dropping off will be enough to bring the EQ number up to 740 on FICO5. Tempted to drop the money to get my FICO5 sooner just to see.
Congratulations on your success!
EX2 + 3 Bureau scores and reports for $1 at Experian or CreditCheckTotal (part of Experian). Cancel in 7 days or less to avoid the reoccurring charge.
TU4 WyHy quarterly score. Not sure on membership requirement. Maybe hard pull TU?
EQ5 Get a savings account with DCU. Soft pull EQ to be a member. Free monthly score.
@AllZero wrote:
EX2 + 3 Bureau scores and reports for $1 at Experian or CreditCheckTotal (part of Experian). Cancel in 7 days or less to avoid the reoccurring charge.
TU4 WyHy quarterly score. Not sure on membership requirement. Maybe hard pull TU?
EQ5 Get a savings account with DCU. Soft pull EQ to be a member. Free monthly score.
Thanks for the information. Not in the market for another account right now but will keep DCU in mind.
Congrats on the score jump!!! I've got 4 long years to wait for mine to age off. Ugh.
012019 Fico8/Mortgage Score: 
@sxa001 wrote:
@AllZero wrote:
EX2 + 3 Bureau scores and reports for $1 at Experian or CreditCheckTotal (part of Experian). Cancel in 7 days or less to avoid the reoccurring charge.
TU4 WyHy quarterly score. Not sure on membership requirement. Maybe hard pull TU?
EQ5 Get a savings account with DCU. Soft pull EQ to be a member. Free monthly score.Thanks for the information. Not in the market for another account right now but will keep DCU in mind.
Totally understand. Just and FYI. Park $1,000 in savings can earn 6.17% APY.
