COLLECTION REMOVED !! Advice needed ?

[Joeyzoom208]

I am floored ... I had a COL from Mercantile Adjustment on my EXPERIAN for 3 years now, for an old hospital bill. $1200. I called them today, of course they were rude and demanded payment, so I called the OC (hospital) and was informed that they FORGAVE this debt in 2012!!! It should have never been reported at all!! So, the rep called MERCANTILE and they immediately agreed to delete and sent the electronic request to delete from all three bureau today!!! I am told this will only take 24-48 hours to remove by Experian (Ive had collections removed before and it is correct -- super fast!).

Now, this collection was added in 2011, and is reporting as unpaid since 2011 (~3.5 years). Will this deletion likely see a score bump?? My AAofA is 7 years, oldest 13 years, score FICO 8 is 631 .. this is my last major baddie except for 3 30-day late from 11 months ago on student loans. All else 100% current, 6 open credit cards all perfect and UTIL lowering by the day. Im told the only way collections give a score bump is by their deletion, so here's hoping!!!! Weigh in please credit experts :-)

[inoubliable]

Bumping for you - maybe someone else has an idea.

 

I couldn't even guess. With those lates and without knowing what your utilization is... Congrats on getting closer to a clean report!

[mendelssohn]

There's no way to tell how many points you will gain, but your scores should go up.

 

If you want to know, sign up for Credit Check Total and you will get an update when your scores change.