I had a potentially negative closed account deleted from my EQ CR and the score dropped by 62!!!!!!! points! WTH??!! 
Why?? Does anyone know? I disputed this same account with TU. Will that score also fall when this account is deleted?
What kind of a account was this and how old was it??
@adavis425 wrote:I had a potentially negative closed account deleted from my EQ CR and the score dropped by 62!!!!!!! points! WTH??!!
Was this your EQ FICO score? If so, what were the negatives on the report with the higher score, and what are the negatives on the report with the low score?
Was this your oldest account?
Was it a CC still reporting a CL, and if so, did your revolving util change when you lost that CL?
@haulingthescoreup wrote:
@adavis425 wrote:I had a potentially negative closed account deleted from my EQ CR and the score dropped by 62!!!!!!! points! WTH??!!
Was this your EQ FICO score? If so, what were the negatives on the report with the higher score, and what are the negatives on the report with the low score?
Was this your oldest account?
Was it a CC still reporting a CL, and if so, did your revolving util change when you lost that CL?
Here is the info from the report. Not a FICO score, but is it relative? Can I be certain that FICO score also went down even if not as drastically? This account was deleted from EQ, but it is not the oldest and not reporting a CL. If this was a cc the limit would not have more than a few hundred dollars. I don't remember the account which is why I disputed it. AND it was potentially negative info! It's already been deleted from TU with no adverse reaction. What gives? Maybe I should have left it alone. 
| HSBC BANK Potentially Negative Closed | |||
| Equifax | Experian | TransUnion® | |
| Account Name | HSBC BANK | No Data Returned For This Bureau | No Data Returned For This Bureau |
| Account # | 52683500XXXX | ||
| Account Type | Revolving account | ||
| Balance | $789.00 | ||
| Date Opened | 4/17/2007 |
@adavis425 wrote:Here is the info from the report. Not a FICO score, but is it relative? Can I be certain that FICO score also went down even if not as drastically? This account was deleted from EQ, but it is not the oldest and not reporting a CL. If this was a cc the limit would not have more than a few hundred dollars. I don't remember the account which is why I disputed it. AND it was potentially negative info! It's already been deleted from TU with no adverse reaction. What gives? Maybe I should have left it alone.
No ~ there is no way to link FAKO scores back to FICO ~ It is just as possible that your FICO score didn't drop at all, or even increased.
Anytime that an account drops from your credit reports there is a possiblity that your Average Age of Accounts ( AAoA ) will be decreased, which might lower your FICO score. But don't assume that you can correlate a large FAKO drop into a large FICO drop.
I disputed and got deleted a CA and my EQ dropped 1 point. I wish I would've known before I wasted $ getting an updated CR. The only other updates were SL accounts that were incorrectly reporting IIB, and I got them to report pays as agreed with zero lates. Any particular reason the score dropped and didnt increase, even a couple of points from this positivity?
@pizzadude wrote:
@adavis425 wrote:Here is the info from the report. Not a FICO score, but is it relative? Can I be certain that FICO score also went down even if not as drastically? This account was deleted from EQ, but it is not the oldest and not reporting a CL. If this was a cc the limit would not have more than a few hundred dollars. I don't remember the account which is why I disputed it. AND it was potentially negative info! It's already been deleted from TU with no adverse reaction. What gives? Maybe I should have left it alone.
No ~ there is no way to link FAKO scores back to FICO ~ It is just as possible that your FICO score didn't drop at all, or even increased.
Anytime that an account drops from your credit reports there is a possiblity that your Average Age of Accounts ( AAoA ) will be decreased, which might lower your FICO score. But don't assume that you can correlate a large FAKO drop into a large FICO drop.
+1. In October my Transrisk score dropped from 787 to 712. No idea why. Same day, my Vantage score increased from 809 to 834. Nothing happened to my FICO scores. Don't pay too much mind to FAKO scores.