Wowzers! My score went up 66 points today. What did I do?

[Anonymous]

I just got an alert that my Equifax score just went up 66 points.  I never have seen this.  What did I do?

 

[Aahz]

Typically a score jump that high is a result of the lsat negative tradeline on a report being deleted.

But without information about your credit reports no one hear can make even an educated guess as to what caused this jump.

[Anonymous]

Thanks,  The Alert said my Walmart account went up by $31...  

[bdhu2001]

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@Anonymous wrote:

Thanks,  The Alert said my Walmart account went up by $31...  

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They report the recent activity.  It isn't necessarily the reason your score went up.  There are only certain events they report.  Thus, if a bad account fell off, that isn't one that they may report.  Although they say change in collection report.  A collection falling off may not be a change, because the status of the collection, paid or unpaid didn't change.

[Anonymous]

Agreed, I have only seen a increase of that magnitude when a derogatory tradline is removed or deleted from credit report.

I think I recall, an item (tradeline) in active dispute status may also be omitted from the calculation. Would need someone to verify that though.

[Aahz]

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@Anonymous wrote:

...an item (tradeline) in active dispute status may also be omitted from the calculation. Would need someone to verify that though.

Yes, I can verify that when a tradeline is under dispute it is removed from scoring.  So, a recent dispute could have the same effect as an actual deletion.