@Rmb01 wrote:Hi Everyone,
I had an account go into collections erroneously from a past apartment through hunter warfieldon November 2024 and it was the only collection on my report for $1900. After much back and forth I was able to prove I did not owe the money and was able to get it removed 02/04/2025. When the collection was added my credit score decreased 18 points. After the collection was removed only went up 1 point. The report is exactly the same nothing else has changed. Is there a delay or what would be the explanation? Thank you!
Fico score through experian daily refresh.
if the report was exactly the same, the score would have gone back to where it was
the report wasn't exactly the same, and we know that because three months had passed since it was added, so there's a change somewhere that's not being accounted for, account age, account balances, number of accounts reporting a balance, misattribution of the score drop, could be any number of things
