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If anyone can shed any light on this it would be appreciated. At the beginning of November I paid off a $730 medical debt that was in collections. I checked their website and it said they report at the beginning of each month. Now it's January and my score hasn't changed at all.
I can't remember if I saw it on Credit Karma or my bank's website but I saw that it was estimated to raise my score by 21 points if I paid it off. Any answers or resources would be helpful. Thank you.
80% of your credit score is based on the activity from the last 24 months. So, if you pay a debt that is over 24 months old, you bump it from a late collection to a recent paid derogatory. Now, its activity date is within the past 24 months, and it carries a lot more weight.
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