Credit karma score dropped 54 points

[Anonymous]

My score dropped on transunion by 54 points because of a fraudrual collection report. I disputed it but I was wondering if it Wil affect my fico scores that much because I don't have any open collection accounts cause I paid them all off. Even got some of them removed. All 3 of my score are 624 624 and 633. I hope it don't hurt them to bad until I can get it off my report. Anyone has any knowledge please let me know

[gdale6]

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@Anonymous wrote:
My score dropped on transunion by 54 points because of a fraudrual collection report. I disputed it but I was wondering if it Wil affect my fico scores that much because I don't have any open collection accounts cause I paid them all off. Even got some of them removed. All 3 of my score are 624 624 and 633. I hope it don't hurt them to bad until I can get it off my report. Anyone has any knowledge please let me know

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Any collection on file will affect Fico in some way though if you have multis paid or not the point loss/gain will be much smaller. If the collection is fraudulent then I would use the features of the FCRA afforded you on ID Theft to have the collection excluded should the dispute fail.

[Anonymous]

I did the simulator and it didn't budget because it's under 100 dollars. But still I am upset because I worked hard to pay off all of my collections. They never contacted me or anything.