Well my last and final collection account will be deleted this month and I’m wondering what kind of boost I’ll see in my credit score this month? I have two CO’s both paid off, one I am still awaiting update for it to be reflected on my credit report. I still have lates, one being a 90 day but overall my lates have all occurred over 11 months ago. I know these lates will have a huge affect on my score especially the one that’s 90 days. My utilization is at around 41% to which I also just paid down to 29% ( I have one high balance cc that I am paying down chunks at a time and all other cards have a zero balance). I am however wondering what type of score change I’ll see, does anyone have any guesstimates?