paid collection and my score decreased, how can I tell if this re-aged?

[Anonymous]

Ok on the surface I think the drop of 12 points for this seems a bit odd, but perhaps there is a logical explanation. Anyone want to give making logic out of this a shot?

Account opened: 12/2003
Description: Account closed at consumer's request
Paid collection

Previously reported

Balance: $149

Past due: $0

Status: At least 120 days or more than four payments past due

Last activity: 7/1/2004

Description: Consumer disputes this account information
Collection account
Utility

Newly reported

Balance:  $0

Past due: $0 

Status: At least 120 days or more than four payments past due

Last activity: 7/1/2004

Description: Account closed at consumer's request
Paid collection

[llecs]

Paying a collection will usually drop your score. It hasn't been re-aged, but the DOLA and/or the "reported date" changed to a recent date and FICO often reads it as a recent collection. This is normal and happened when the amount due was changed. As you experienced, paying a CA won't help your score any without a PFD. I would GW them now and ask them to remove it off your CRs.

Message Edited by llecs on 04-21-2009 01:11 PM