I Removed All My Collections, But My Score Didn’t Go Up. Why?

Hey, it’s Sharia from Credit Clubhouse, and if you’ve been working hard to clean up your credit, first of all, let me say this:

👏 You’re doing the work, and that’s a big deal.

But I know how frustrating it can be when you finally get all those collections removed… and then your credit score barely moves. Or worse, doesn’t move at all.

Let me break down why that happens, in a way that actually makes sense.

Removing Negatives Is Only Half the Story

Think of it like this.

If your credit profile was a blank wall and collections were the graffiti, removing those negative items is like scrubbing the wall clean.

But here’s the thing, a clean wall doesn’t mean you’ve built anything.

Credit scores don’t just go up because the bad stuff is gone.

They go up when there’s good stuff actively reporting.

No Positive Accounts = No Progress

Your score is based on what’s currently happening, not just what’s been deleted.

If you don’t have credit cards or loans reporting monthly payments, there’s nothing new showing the credit bureaus that you’re responsible and consistent.

In fact, when you remove collections without adding positive accounts, your credit file might look thin or even empty, and that can keep your score low.

Here's What You Can Do Next

If you’re in this boat, don’t panic. It just means you’re ready for the next step: credit building.

This is where we help our clients shine.

Here’s what we do at Credit Clubhouse:

✅ Guide you toward the right starter credit cards

✅ Help you open new accounts that report monthly

✅ Teach you how to manage those accounts to build trust and traction

✅ Put together a plan that grows your credit one solid move at a time

Because real credit strength isn’t about having a clean report…i t’s about having an active, positive profile that tells lenders, “I’ve got this.”

Let’s Build the Credit You Deserve

So if your score didn’t jump after removing collections, you didn’t do anything wrong. You just need to start planting.

And I’m here to help you do exactly that.

Have a credit question?

Don’t wait, get your question answered straight from me and the Credit Clubhouse team at ask.creditclubhouse.com.

Ready to grow for real? Come build with me at Credit Clubhouse 💳💪