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eastcoastman73

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why did my credit score drop after 2 collections came off,hard inquirys came off?
my score drops while 2 collections come off, hard inquirys come off, and credit limit goes up $200.00, are not these all positive things?

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325 People Helped

why is it collection

why is it some collection companys refuse to do deletions even if you pay in full?   why should you continue to be punished ? its still a collection seen on your report as negative if only seen as paid/closed

Top Contributor
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Did the two collections fall off completely or just move out of collections? I am guessing that they came off of your report completely, which is good but also means that your total number of accounts decreased and the average age of your accounts decreased. If you have very little credit and these two old accounts fell off, it could have a rather large impact on your score. 2 accounts that were 7+ years old and a nominal amount of new credit (say 1 card less than 1 year old) means you went from 5 years average age of credit down to < 1 year. It also means you went from 3 accounts down to 1.

Its a temporary correction. Keep paying your current accounts on time and expand, responsibly, the number of accounts you have.

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