Unexplained massive score increase

[Anonymous]

Dates are the same on my report.  I'm a little unclear about the timelines for this as my report is showing "date assigned" to the collection agency as 2014/2015 but the original debts were 2013/2014.  Do they go off the dates of the original debts or these date assigned?  It would really make my year to get those other two scores up!  

[Anonymous]

Statutorily its 7.5 years from the DOFD, in actual practice it’s typically 7 years, however you can also seek early exclusion.

[Anonymous]

I've sent pay to delete offers to the collection agency that's holding those accounts but they never responded in writing so I just let it go.  That was in 2019.  Hopefully TU and Ex follow in the next couple months.  

[Anonymous]

Get your reports from annualcreditreport.com and find out the DOFD.

[SouthJamaica]

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@Anonymous wrote:

Ok, did some more digging this morning.  It appears the medical collections have dropped off just equifax.  They're still on the other two.  I apologize for not catching that, I was just in shock over that kind of a jump.  Now any explanation why that would happen?  Thanks for all the responses.

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"Unexplained massive score increase" ...... explained.

[Remedios]

@SouthJamaica  isn't that how UFS works...we start with something we don't understand or cannot explain ourselves ...

[Anonymous]

Rookie mistake on my part for sure.  I just looked back on my old credit reports from when I started my credit repair journey in 2018.

Experian collection accounts are set to expire in 4/21 and TransUnion in 1/21 so I should be due for significant jumps on the other two soon!  Next goal- 800's!!

[Anonymous]

Any Updates to the other two reporting, OP?

[Anonymous]

My other two scores followed!  Early February then early March.  I'm now sitting just under 800 on all three!

[Anonymous]

Congratulations! Great to hear!