What caused my score to drop?

[Steelersfan904]

I just lost 32 freaking points and I have no idea why! Myfico is showing me this but it doesnt make sense why Equifax reporting that it is in dispute would drop my score by 32 points. I just double checked my credit report and only other thing I can think of it is that stupid AFNI changed my balance from 612 to 162 insteading of freaking DELETING it! I just don't get it....

Description: Consumer disputes - reinvestigation in process
Collection account

	Previously reported	Newly reported
Balance:	$22,463
Past due:	$22,463	$22,463
Status:	At least 120 days or more than four payments past due	At least 120 days or more than four payments past due
Last activity:	6/1/2008	6/1/2008
Description:	Child/family support Collection account Child/family support obligations	Consumer disputes - reinvestigation in process Collection account

[Steelersfan904]

I think I figured it out

Agency Address:	PO Box 3097 Bloomington, IL  61702-3097
Date Reported:	06/2012
Date Assigned:	01/2012
Creditor Classification:	Utilities
Creditor Name:	SPRINT
Account Number:	103627XXXX
Account Owner:	Individual Account.
Original Amount Owned:	$612
Date of 1 st Delinquency:	04/2011
Balance Date:	06/2012
Balance Owned:	$162
Last Payment Date:
Status Date:	06/2012
Status:	D - Unpaid
Comments:	Collection account

[pizzadude]

I think that would probably be the reason. Also FICO doesn't include child support accounts in scoring.

[Steelersfan904]

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@pizzadude wrote:
I think that would probably be the reason. Also FICO doesn't include child support accounts in scoring.

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Well I guess that answers the question "Can paying a collection hurt my score?" short answer YEP if you dont do a PID

[Repo-ed]

Having one removed can also lower your score.

That happened to me, when I GW'd amex.  To remove the derog, meant having my oldest reporting TL removed.

[Steelersfan904]

My score dropped again! Now back to 545 I dont understand it. I give up