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The starting point of your score has little to do with credit repair; nor does the age of accounts. The date on collections that has the most affect on your score is the date the collection was updated on the bureau.

You would still benefit by going through the credit repair process, although depending on the specifics of your particular file, the results you get may not be optimal.

Another aspect that is important would be for you to have ongoing positive credit to offset these derogatory items. A lot of consumers think, "I have some bad credit, so it doesn't matter...". They couldn't be more mistaken. Credit scores are calculations based on ALL the information in your credit report. So having positive information is very important to add into the mix along with your repo and collection accounts.

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10y ago

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