I happened to pull my FreeCreditReport.com report this morning and my score took a 60pt hit. When I checked it out, I disovered that an old collection from 2011 that I just paid off was updated. They updated the unpaid balance from $775 to $776 and showed an FP for February. When I called them, they are insisting that they reported it correctly but it can take the CRA 45-60 to catch up with the paid in full part. That just doesn't make sense that part of the TL would get updated but not all of it.
If that collection has not updated since 2011 and you just paid it, that is what casued the drop. It updated to a current date making it appear newer than it is.
You are also looking at a 3rd party report and not one directly from the CRAs. Those can have formatting issues.
As for the score, it is a FAKO score and not a FICO so a FICO score may not have done the same.
Have you pulled your free reports from annualcreditreport.com?
I tried pulling my annual report (EX) and it says that they can not process my online request. I pulled it through myFico and it says that there is a fraud report on my account so I don't know if that has something to do with it. I didn't report any fraud so not sure where the fraud report came from.
It's just aggravating that they would go out of their way to report a $1 balance increase without reporting it PIF at the same time!
Its standard faire with some CAs, the final dig.