I wonder if I was rebucketed?

[mystikal1]

Well my last collection was removed and my score went down to 663.  I still have my BK, a HSBC charge off (0 balance, paid after CO) and 1 30 day late from my car loan. So all I can do is go up, I hope!

[llecs]

Congrats on the collection; bummer on the loss.

Nope, you weren't rebucketed because you have other derogs. Compare both EQ reports line by line. Maybe utilization changed, a dispute was resolved, or something to cause the change.

Also, was the item removed a CA or OC account? Removing a charge-off can actually drop your score if it impacted your AAoA or history.

[mystikal1]

I can't see anything different except the collection removed.

AAoA is still 3yrs 11 Months

Util is still 61%

So I don't know, but at least the collection is gone.

BTW it was a CA, medical.

Message Edited by mystikal1 on 06-18-2009 04:33 PM

[happy0510]

Hmmm....I just had the same exact removal.  My only collection.  I haven't checked my new scores yet because I want to lower util first.  I'm def. thinking I will be rebucketed!

[llecs]

Did the HSBC CO update from May to June?

[RobertEG]

When you say the collection was "removed," are you sure that it is no longer appearing on your credit report?

[mystikal1]

Yes it is still being reported as it always has been, they update it every month.

It is totally removed from my EQ CR.