New to this and apologies for duplicating existing topic.
On my way to rehab my credit. Have a collection that is 5 years 4 months old (all of $375 - I know...)
My question - generally speaking what SHOULD be my score now if I did not have that on my report - all else unchanged?
Currently stands at 680 FICO. Util at 31 percent. Trying to understand what it cost me 'score-wise'.
Thank you all.
Hi and welcome to the forums
The collection is affecting your score and will continue to do so for as long as it's on your CR.
Is it paid or unpaid collection?
Which collection agency?
Starting Score (12/2018): 624, Experian Score 8
Current Score (07/2019): 716, Experian Score 8
Goal Score: 740
MYFICO Proud Garden Club Member:
My guess would be 70-80 points gained from the removal of this lone aged major from your CR.