Payoff timing changed my score 64 points in 5 months

I paid off a $4,800 collection from 2021 and then requested a goodwill removal from TransUnion in March. By August my score went from 611 to 675, which felt crazy for just one account. Has anyone else seen a bigger jump from a single removal, or did I just get lucky with their algorithm?

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1 Comment

the_miles3d ago

Yeah that jump makes sense since collections hit harder on thin credit files, so removing one can boost you way more than people expect.