Collection deleted dropped me 15 points

[Anonymous]

No lates before Jan 2019. Nothing reported after June 2019 

[Anonymous]

You see the date where it says last updated? I don’t know when that screenshots from because it’s not showing 2020 but if that is a current screenshot they have not updated it since July 2019 but that would still make it current/recent.

But you haven’t given us any information about your profile. Do you have other collections do you have other chargeoffs, do you have other baddies? You forgot to give us more information in order for us to be able to analyze it.

Plus did you have utilization changes or are there any other changes to your profile there’s 1 million things that can cause the score change.

[Anonymous]

I had 3 other charge offs I also paid this month however they haven't updated yet. I'm 100% sure its this debt thats updated. I last updated as a CO on jun 2019. I have no other CO other 3 baddies are now paid in full ( they were also chargeoffs). I had practically zero utlization on all my debt EXCEPT for the 4 baddies I had just settled this month. This one I settled and had deleted it was a collection company for 50% and the other 3 I paid 75% but they wouldnt delete just update although they havent been updated yet. my 3 creditcards have less than 4% total utlization and my self lender is 3 months old and updating correctly. I'm not sure what else it could be as thats all that I have.

[Anonymous]

@Anonymous So, Pioneer is the OC? And the collection was deleted? But you’re currently showing three other charge-offs unpaid until they are updated to paid. And you're also waiting on pioneer to be updated to paid? And that’s it, no other baddies on your record?

And you lost it on EX8? And the source of the score is Experian?

[Anonymous]

Correct.

[Anonymous]

I know this is credit karma but it shows the collection is deleted however looks like TU might go up? But my Equifax went down. This credit stuff is so weird and confusing 

[Anonymous]

Give it a month to see what happens, my wife had something like that happen, her score went down 65 points and then 3 weeks later it went up 85.

[Anonymous]

TransUnion went up 13 points it just updated on myFICO. I'm mind blown. 🤯 

[BmoreBull]

Nice, congrats

[Anonymous]

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@Anonymous wrote:

Why did I lose 15 points for having a collection removed? So confused.... it was a 4K + collection that was removed

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It honestly could be anything.

AAoA, even though it shouldn't count CAs, I have seen them listed and calculated in my own personal AAoAs on my CRs. So maybe yours went down.

Or your positive accounts could have had changes. It doesn't necessarily mean a really bad change or negative mark. It doesn't have to be a derog that lowers your score. Maybe util or something.

I also find updates and scores changes are rarely in-sync with one another. I have seen the score reflection of an update take nearly 2 months to surface to see the impact.

I wouldn't fret. Often thefe is a reported change and score change and the Bureaus just put thsm together when in fact the change did not cause the score change. The system isnt smart enough to differentiate that this did not cause that. It sees a number change and a report change and slaps them together.

Good luck!