Cubs, as MV stated, paid collections do not delete on their own (not for 7-7.5 years from DOFD anyway). Try to get them to do a PFD. Do a search on these threads for pay for delete or PFD and find a nice letter that suits your needs and fire one of those off to the CA.
How old is this collection? What is your state's SOL?
Starting Score: 469
Current Score: 819
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
Take the myFICO Fitness Challenge
How old is this collection? What is your state's SOL?
Starting Score: 469Current Score: 819
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
Take the myFICO Fitness Challenge
Outstanding, you got it in writing. There will be minimal scoring increases, IMO, as each of the CAs fall off, until the last one does, then you should see a decent score hop. There are accounts of 50 point increases on avg for the last CA falling off (right MV?).
Starting Score: 469
Current Score: 819
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
Take the myFICO Fitness Challenge
Starting Score: 469Current Score: 819
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
Take the myFICO Fitness Challenge
I think it averaged 51 0r 52 - a nice Xmas present. And it was 3 months early
ByrdMan wrote:
. There are accounts of 50 point increases on avg for the last CA falling off (right MV?).
HOLD UP! WAIT A MINUTE.....
You mean to tell me that I could gain avg of 50 points by having old paid off ca deleted?!
I had no idea it would be that much!
One is from NCO (no luck with GW yet) although Equifax has recently deleted. Date opened is 2002 but paid last June in order to get my disaster loan.
I have an old medical turned over to central states that shows only on EX and EQ as TU recently deleted. Date opened is 2005 and paid in 2006.
Hmm...Christmas is too far away but hey...Mother's Day is right around the corner!
MV, would you kindly direct me to the link(s) of your postings about this. I am feeling newly encouraged as well as another round of GW letters in the works!
Thanks!!