Guess it depends what the derog was. My DH had an unpaid collection (duplicate from the oc) removed. He jumped 103 points on TU.
I jumped over 100 points on TU too. Much depends on how old your last derog is and how recently it has last been verified. My score actually dropped considerably after it was verified. After it was deleted though, I made the loss back in spades.
In my case, I had about a 720 (Equifax) score when an old derogatory showed up on my CR. This was a 6 year old charge-off and it dropped my score to 690. My score crept back up to 700. When the chargeoff fell off earlier this year, my score jumped to 750, so in my case it was worth 50 points. I have no idea why it was worth 30 points when it came on my report and 50 points when it came off. Edited to add that I don't have a particularly long credit history (about 8 years) and few tradelines of any sort at the time (4 positive plus the charge-off), so that one derogatory may have had a bigger effect for me than it would on a busier credit report.
Thanks for the responses, keep them coming. I have one 30 day left that has been on there for 13 months. It might be wishful thinking to get it off, but hearing how much everyone's scores are jumping, I might have to put a little more effort into having it removed.
my score jumped 30 pts when dh's last derog fell off (last week) and I lost 70pts when a scheister ca just hit dh's report this week....
I am waiting (impatiently) for my last two derogs to fall off eq this month-- a c/o OC and associated collection.... I can't WAIT to see how this effects my score, currently at 644. I'll let you know
on MY EQUIFAX, I had three good tradeline and one bad one... Score at the time was 635 but now with the bad tradeline off my report my score jumped up to 734..
on MY EQUIFAX, I had three good tradeline and one bad one... Score at the time was 635 but now with the bad tradeline off my report my score jumped up to 734..
