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Midland collection removed and Trans and EQ score went up 25 points, but Experian FICO score dropped

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EmmyWannabeOrman
Contributor

Midland collection removed and Trans and EQ score went up 25 points, but Experian FICO score dropped

So Midland agreed to remove the collection (t-mobile $669) from all CB's and I saw a 25 point increase in all credit reports except Experian. When Midland first reported early last year all credit scores dropped about 20-25 points.I checked my Experian report and the Midland account is gone. By the way this deletion happened about a month ago. I don't understand. I ordered a new credit report (Today!) and there are no collection accounts factored in my FICO Experian score. What gives? Not fair how I lost 25 points when it first reported last year and now it's removed I don't get an increase. I have no baddies. That collection was the only one 

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Message 1 of 5
4 REPLIES 4
gdale6
Moderator Emeritus

Re: Midland collection removed and Trans and EQ score went up 25 points, but Experian FICO score dro


@EmmyWannabeOrman wrote:

So Midland agreed to remove the collection (t-mobile $669) from all CB's and I saw a 25 point increase in all credit reports except Experian. When Midland first reported early last year all credit scores dropped about 20-25 points.I checked my Experian report and the Midland account is gone. By the way this deletion happened about a month ago. I don't understand. I ordered a new credit report (Today!) and there are no collection accounts factored in my FICO Experian score. What gives? Not fair how I lost 25 points when it first reported last year and now it's removed I don't get an increase. I have no baddies. That collection was the only one 


Something else changed which overcame any score increase from the removed CA,

Message 2 of 5
Anonymous
Not applicable

Re: Midland collection removed and Trans and EQ score went up 25 points, but Experian FICO score dro

Rebucketing maybe?

Message 3 of 5
gdale6
Moderator Emeritus

Re: Midland collection removed and Trans and EQ score went up 25 points, but Experian FICO score dro


@Anonymous wrote:

Rebucketing maybe?


Always possible but that would typically occur across all the CRAs if pretty much the same info is being reported.

Message 4 of 5
ddemari
Super Contributor

Re: Midland collection removed and Trans and EQ score went up 25 points, but Experian FICO score dro

That is a dissapointment! TU removed my midland collection 6 months early for me back in February. I requested a new TU report and my score went up 53 points. EQ and EX have not removed it yet, I am hoping they both go up. But that is definitely strange! You would think you would get something from a midland collection going away. 

Message 5 of 5
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