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viv630

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collection account removed two months ago, score did not change!
I thought getting a collections account removed will improve my credit score, not! It's been two months now, credit karma is showing that its been removed but the score has not changed. How long does it take?

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Collection Account

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There are two things that influence credit scores when information is deleted from your credit history. The obvious one is that negative information is removed. That is the positive.

The less obvious issue is stability. Credit scores not only weigh the information in your credit report at a certain moment, they also consider your credit behavior over time. A stable account history showing consistent, positive behavior is important to credit scores.

By deleting negative information, a degree of instability has been introduced that the credit scoring system cannot immediately account for as a positive change.

Initially, the deleted information and the instability cancel each other out, resulting in little or no change in your credit score. Sometimes there may even be a slight decrease in the score. But, after the next payment period or two, your credit history will appear stable again, and deletion of the negative information should result in a positive change to the credit score.

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