Was this your last collection account?
Sometimes, scorecard reassignment from the removal of derogatory can result in a score drop rather than gain.
If this was the only derogatory you would have gone from a public record scorecard to a clean scorecard. If a chargeoff is still present, then you would have gone from a public records scorecard to a delinquency scorecard.
If neither is the case and other collections exist, I would suggest pulling your full report to review for any other changes that may have caused the drop.
So Experian and Equifax also removed the collection account resulting in no score change?
And you're sure you pulled a TU report that updated today, correct? I only ask because when you receive a myFICO alert, it only provides an updated score, it does not update the actual report until a new 3-bureau report is pulled per your subscription.
@Anonymous wrote:I pulled one yesterday. I just looked and the collection is still showing in Equifax and Experian. This was the last one. I still have a few 30 and 60-day lates on all 3 (from 2016)
So - to clarify- this was your last collection on TU that was removed? Only late payments remain?
@Anonymous wrote:Yes, I am heartbroken. I have worked so hard to get back to "normal" credit
Aww... don't be heartbroken. I know it doesn't seem like it right now - but scorecard reassignment is a good thing. Your ceiling for how high your scores can go - and the speed in which they will rise -- has increased. You are actually improving overall, despite what the score says.
A clean(er) report is better than a dirty report anyday. Keep it in perspective - what do lenders see - a few late payments. No collections, no chargeoffs. It's a good thing.
If it makes you feel any better - I had the same experience when I finally got rid of my last derog - a paid chargeoff I managed to goodwill away. I was expecting big gains but instead, my scores dropped 30-40 points across the board. I was reassigned to a clean scorecard. My feelings were a bit hurt but my reports were CLEAN - and that was my goal to begin with. Over the next few months, I saw a steady increase in my scores and shortly after, they were higher than they ever were before.
This happens, not to everyone but to many. You usually hear about folks getting big gains after removal but that's not always the case- it depends on how your profile stacks up in the new scorecard. Try not to let it get you down... no place to go now but up. So I'm going to say congratulations even if you don't feel like being congratulated right now.
I can't tell you how much I appreciate your help. I will hang in there and see what happens. I'm not even looking for credit at this point, it's a matter of finally getting out of the hole 
