80-100 points. I would not let them extort $186 from you when you could use do it yourself credit repair for this simple 1 liner off your credit report for less than $20. Usually companies charge hundreds of dollars to simply pull your credit and send correctly worded dispute letters—this is the key…..people will tell you that you can do this yourself for free but the truth of the matter is that the credit bureaus will throw your letters away or simply reject them. There is an easy to use online kit that will deliver the results you want available for just $19.95 at the source website. A similar kit is being sold via infomercials and radio talk shows for seventy dollars more but they try to solicit you repeatedly for other services after the fact.

Use the credit score simulator in the link below. You can put in different financial scenarios to see how your credit score fluctuates.

you can’t remove a collection item from your credit report; however, it’ll reflect that its paid with a $0 balance. equifax has a score power product that has a interactive score simulator. check it out from the equifax link at the bottom of the webpage