Closed vs. Removed collections?

[Anonymous]

Actually my score went up 16 points on my FICO my credit check total nothing happened but I only get Experian update daily my 3 Bureau is not for another 3 weeks and it was on Credit Karma that this took place so like I said I know the scores are not real however 100. Drop is significant I don't care what the measure is The Collection was for 250 and its 6 years old and I paid it about 46 months ago but it was reporting as late I disputed it and had them report correctly and now it shows closed but my score dropped 100 + on Equifax and about 90 on TransUnion on Credit Karma

[Anonymous]

That is so strange! Was that your oldest acct so now that its closed ur AAoA is way down? Do u think that is why ur score took such a hit?

[Anonymous]

Reading post like this make me really nervous about having paid off my debts  Here's to hoping things turn out ok for my reports. 

[Anonymous]

Most of my positive account better yet all of my positive account I have an average age of accounts of 7 - 8 months however the way I underscore understand the scoring model is age of account is a medium factor it's not a high factor so even if that is the case I don't think it would result in a hundred Point drop again I'm still figuring things out and my progress has been phenomenal over the past seven to eight months so I know that this score will fluctuate I hope I really don't know what to think I'm so confused but I'm trying to stay positive

[Anonymous]

Yeah. Im sure u will be fine...so let me get this right...it dropped 100 pts on CK but went up 16 on fico?

[Anonymous]

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@Anonymous wrote:
Now im even more confused....so why would my score INCREASE? and why on EQ? There was no change reported with them?

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Because CK does not use FICO scoring. They use Vantage 3.0, which is a useless FAKO. Use CK for monitring you report for changes, but ignore their scores.