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jpo06

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Do removed collections affect your credit score?

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Short answer: not really

I know that's not what you want to hear, but the simple  answer is : no. There will be long convoluted attempts to explain it, but the reality is that the credit bureaus and Fico are not in business to help consumers, once the damage is done , it really can't be undone.  That's the reason a lot of people will tell you that there really is no incentive to try a repay any debt once it's on your report. 

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The OP said "removed collections". When a collection is removed credit will improve.

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Incorrect

I can only answer based on my own experiences, had three negative medical collections listed,  made a pay for delete arrangement with them, all three removed with ZERO improvement in score. NO other changes for three months on report. NO IMPROVEMENT.  Anyone telling anybody that they know what actually happens is wrong, fico and the other scoring models DO NOT and WILL NOT disclose their actual scoring algorithms, claim that they are proprietary property. That's why all of the experts use language like it should, or probably, no absolutes, such as : if you do that, then this is the result.  Bottom line is that your score is what they say it is, you have zero ability to dispute anything other than incorrect info. Logic is not part of the equation. Keep in mind that the credit bureaus and Fico DO NOT represent consumers, they are for profit business whose customers are lenders.

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