I'm curious as to whether anyone has any idea of what kind of impact (point-wise) a ch 13 dropping off the cr will have on the score - any rough guesstimate on about how many points it might raise a score? thanks
If it's dropping off from age, I would assume not too much difference because it's already old. But as lbrown59 said, who know? Only Fair Issac knows for sure, and they're not telling!!
any idea what kind of effect - point-wise - charge offs and collections have when they fall off - I just got two TLs deleted from hubbys that were incorrect - instead of one settled acct, showed full balance as a charge off, and a 2nd entry under a diff acct number with the amt we didn't pay in the settlement (currently fighting with them over the FCRA violations) but they appear to be deleting -instead of a zero balance on a settled acct, it looked like a Ch off of over $5500 and a collection of over $2700 - for a combined debt of over $8k - had to be a big negative in the scoring -
