@valley_man0505 wrote:I think I may have answered my own question. In my original post, I stated that I only had 2 baddies left. This statement was right after AFNI removed 1 of the remaining 3 CAs that I had left. The AFNI CA that was removed was from 2009 and that left me with only the two CA's I mentioned in my previous posts, which were from 2008.
Well, I finally pulled my scores for the first time since AFNI was removed and that only moved me from 627 to 631. Since removing a CA from 2009 only had a minimal effect, I don't think I would get ANY effect from removing one of the two CA's that remain.
Getting BOTH of them gone will be huge, though--my report will be baddie free once that happens.
The above was based on my EQ FICO. I just received notice today that the AFNI CA was finally removed from TU. At the same time, an old paid CA finally reached CRTP on TU and was removed (it was removed from EQ a long time ago). Now, the two medical CA's are all the remain on my TU as well. This moved my TU score from 611 to 629, so the affect was more substantial there. Now, if only I could get my EX FICO 
ETA: By the way, according to the FICO score simulator, my "ceiling" seems to be around 700 - 720 with these 2 CA's on my report for both TU and EQ--even if I chose "Simulate Best Action" or pay my revolving debt down to less than 10%. At one point, I had no collections on my report, but I did have 3 CO's with balances still showing and my "ceiling" at that time was around 750. It is pretty sad that MEDICAL collections can have a greater impact than CO's that actually show credit irresponsibility. It is even more sad that these medical collections are not even mine (they are my ex-wife's). I REALLY wish HR 3421 would have made it somewhere in Congress last year