experian dropped 100pts

[dannyc5001]

Recently had my chap 7 discharged about 2 wks ago, been checking credit karma every week for a while. Yesterday my experian dropped 100pts, had an alert of a "trade line bankruptcy" from a medical bill that was included in the bankruptcy. Any ideas why this showed up this week and dropped the score so much. It says $0. But where do I start? With the collection agency or experian?

[Scupra]

You need to pull reports from somewhere. Credit karma is good for monitoring changes but FAR from reliable. Just pretend like you can't see the scores... My CK scores are about 50 points lower than my FICO 08 scores.

[teddingt]

LOL And mine are 50 points higher on CK.    But to the OP, I used CK to view my credit report on Equifax and Transunion.   I was able to start cleaning it up from there.    Look at the 700 in 18 months post and get My Fico 3B if you can.   You will get all 3 reports each quarter.   I started mine right after if filed and should get my next report a week or 2 after discharge.  It gets better.