How much of a bump should I expect after 3 baddies are removed?

[cr101]

They were reported 3 years ago on the same date and the status has been closed/paid since I started reviewing my report a few months ago. If it matters, they're listed as medical and 2 are $50ish, and the other's about $140. 

How would this affect FICO and other types of scores (CreditWise, etc)?

[Revelate]

What’s on your file after they are removed?

If there’s other derogatory information maybe a handful of points at most, if those are your only three issues it depends how much positive history you have.

[cr101]

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@Revelate wrote:
What’s on your file after they are removed?

If there’s other derogatory information maybe a handful of points at most, if those are your only three issues it depends how much positive history you have.

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Bad marks from student loan that defaulted. unfortunately, they appear as about 6 separate loans, which results in a lot of late payments. 

[Revelate]

Probably not much but if it’s just lates and a CO (which we don’t know enough about score wise TBH) you might actually move to a slightly prettier scorecard though still bottom 4.

It’s hard to say as a result where your score will wind up: long term getting anything negative deleted is a good thing, but I will be curious to see what your scores do if you wouldn’t mind reporting back once the three collection deletions go through.

[cr101]

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@Revelate wrote:
Probably not much but if it’s just lates and a CO (which we don’t know enough about score wise TBH) you might actually move to a slightly prettier scorecard though still bottom 4.

It’s hard to say as a result where your score will wind up: long term getting anything negative deleted is a good thing, but I will be curious to see what your scores do if you wouldn’t mind reporting back once the three collection deletions go through.

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i've been obsessively checking my email for a confirmation email from the collection agency and just happened to see this on my updated report. my exp score increased 12 points after the 3 items dropped. aside from the items being removed, my debt was decreased by a little over $1,000. so, i can't be sure how much the removals actually helped. but, i'm happy for the increase and glad that those bad marks are gone! lesson learned!