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I recently convinced an old credit card with a Date of Originial Delinquency of April 2014 to delete based on a GW letter. It was reporting as a charge off with zero balance (paid shortly after the CO back then). According to my MyFico updates it shows as deleted on TU but that score actually went down 1 point. It's gone from Experian as well because I pulled that report from Annual Credit Report but I have yet to recieve the MyFico update. Still waiting on EQ. The alerts actually say that a Bankcard was removed, decrease in amounts past due, and a delinquent/past due account was removed as the reasons for the score change.
As it relates to TU, is it common for the score to actually drop a point??? I was expecting a little bump. Is it possible since it was closed and paid almost 4 years ago it really wasn't impacting my score?
Eq: 650 (from 634 on 10/1/17)
Tu: 680 (from 648 on 10/1/17)
Ex: 667 (from 636 on 10/1/17)