the worst timing

[Anonymous]

I just found out that my score dropped 18 pts because...

This decrease in your FICO® score happened on the same day as a change on your Equifax Credit Report™ which triggered an alert. Most likely, the decrease was caused by the credit report change, but this is not always the case. Your score may have dropped because of some change on the credit report that was not reported as an alert. Also, if multiple changes on the credit report happened on the same day, some may have helped the score while others hurt it.

I paid an agreed amount on 6/19 and thier letter must of been registered today. If I paid a debt why would my score go down? We should have less debt to income ratio.

[Anonymous]

What kind of account was it? Did you pay a settlement - and how is the account reported? Settled for less than amount, etc...?

[Anonymous]

This was a NCO Financial  account. Balance: $882 $0 Past due: $882 Not on Record 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: 10/1/2000 10/1/2000 Description: Collection account
Paid collection

[Anonymous]

This made the date of the CA more recent. Thus dropping your score.

Did you try for PFD?

Do you know the DOFD?

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questions wrote:

This was a NCO Financial  account. Balance: $882 $0 Past due: $882 Not on Record 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: 10/1/2000 10/1/2000 Description: Collection account
Paid collection

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[Anonymous]

No I didn't do a pdf. and I don't have a date of first delinquency. I have the letter but no date on it when they took over the accnt. The  original account was cross country bank. is there any letter i should send now? My credit report has a date reported of 10/00 and date opened of 07/03 and last activity of 05/07