https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Where-did-my-points-go/m-p/1415902#M63609 <P>Whew ok...thanks! I need all the points I can get!</P> Thu, 24 May 2012 15:01:47 GMT ladydeac 2012-05-24T15:01:47Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Where-did-my-points-go/m-p/1415788#M63604 <P>Two weeks ago, I had one collection remaining on my TU and EX reports, and two on my EQ.&nbsp; All of these had been PFD'd and I was just waiting for them to drop off.&nbsp; As I posted earlier this week, I was moritfied when Friday I updated my EX credit file (I have it monitored) and found a new $41 collection that hit, and on all three reports upon checking further.&nbsp; I immediately PFD'd over the phone, and they promised to remove it.&nbsp; It plunged my EX FAKO from 665 down to 586, a loss of 79 points.&nbsp; Yesterday's FAKO dropped another 9 points due to my $0 balance on my Walmart card now reporting $204 (limit is $700).&nbsp;</P><P>&nbsp;</P><P>This morning, when refreshing my EX report, THANKFULLY both companies have kept their word and the collections are removed.&nbsp; However, my EX FAKO only rebounded to 636....almost 30 points less than it was before the new collection hit.&nbsp; The only change on my report was the Walmart increase, but as it appears, I should have only lost 9 points (based off of yesterday's drop when the new balance reported).&nbsp; I am bummed...with the one collection remaining i was at 665, and was hoping when it fell off I'd get boosted a bit more.</P><P>&nbsp;</P><P>Could I have rebucketed?&nbsp; The only reason I think no is because I still have Nelnet showing two 90 day lates back from 2006, and one 30-day late from early 2011 on my old auto loan.&nbsp; So while I have no more collections, I stil have those blemishes.&nbsp; I understand I shouldn't worry about FAKOs, but I at least thought I'd get the points back.</P> Thu, 24 May 2012 13:27:30 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Where-did-my-points-go/m-p/1415788#M63604 ladydeac 2012-05-24T13:27:30Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Where-did-my-points-go/m-p/1415858#M63606 <P>FAKOs aren't complicated enough in their formula for rebucketing. I know for sure that at least one FAKO scores some CA aspects positively, history maybe. This isn't the case with FICO though. I wouldn't worry.</P> Thu, 24 May 2012 14:45:17 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Where-did-my-points-go/m-p/1415858#M63606 llecs 2012-05-24T14:45:17Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Where-did-my-points-go/m-p/1415902#M63609 <P>Whew ok...thanks! I need all the points I can get!</P> Thu, 24 May 2012 15:01:47 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Where-did-my-points-go/m-p/1415902#M63609 ladydeac 2012-05-24T15:01:47Z