updating of information compare

[noobafterbk]

i just read on both karma and sesame that two tradelines have been.deleted /aged off my credit report and one good tradeline deleted for i dont know why?? ill be on that later, this was earlier than expected but two baddies off. however they also show my fako score dropping 25/32 points on equif and transunion due to reduced aaoa but i have received no alerts from myfico?
this happened four days ago.and yet still nothing. should i expect the same expected drop on.fico?

[cdtotten]

Were these the only derogotory accounts on your file? 

Positive tradelines can report for 10+ years, but can also randomly drop off. No predictor on there or anything you can really do about it.

Be glad the derogs are gone, you may have been rebucketed from a collection bucket to a better bucket, but one you fall towards the bottom of. FAKO scores have zero correlation to FICOs. Your score might have gone up.

[noobafterbk]

yes both were derog one from repo.and the other a charge off. the good tradeline was only 9 months old so i will yry and.reinstate that i dont know why it was deleted.
the only baddie now is the bk but im stuck with that for. while unless it accidently falls off early 😄 during a dispute.
are there specific.scores. that rebucket ?
also if im in a new bucket will it be harder to improve my scores based on others in that bucket?

[RobertEG]

If a tradelinw was deleted from your report at only 9 months of age, then it was almost certainly not a deletion done by the CRA.

Their housekeeping deletions are at approx 10 years after closing, and they wait a min of 7 years to ensure that ""normal" creidt report exclusion periods have expired prior to consideration of any housekeeping deletions.

Thus, the deletion was almost certainly reported by the creditor for some reason.  I would call the creditor and make an inquiry as to whether they reported a deletion, and if so, why.

As for rebucketing, I doubt that you were moved to a new scoring category in your payment history.

It appars from anecdotal experiences that rebucketing of payment history occurs when the account becomes clean of any major derogs.

With a BK still reporting, that is not yet the case.

[takeshi74]

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@noobafterbk wrote:
but i have received no alerts from myfico?

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As always, be careful relying on alerts.  Make sure you understand the triggers.

http://myfico.custhelp.com/app/answers/detail/a_id/463/~/understanding-what-triggers-fico%C2%AE-3-bu...

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@noobafterbk wrote:
should i expect the same expected drop on.fico?

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Possibly but different models can end up with different results.  You'll just have to wait for an update and see or pull new numbers to verify.  Do not rely on a score generated by one model to determine a score generated by a different model.