Confusing Credit Score Changes

[SeraphimSF]

 My apologies I just really need to vent right now and I know you guys will understand this frustration. My one delinquent (collections) account is now current and $0. TransUnion and Experian shot up. Equifax however down 45 points. It's the only thing that changed on all reports between 6/13 and 6/26. I know it's a short term hit but very frustrating. Any of you seen this large a drop after bringing an account current?

[rmduhon]

Sounds like you are looking at Credit Karma. If so, ignore those scores. Credit Karma uses Vantage 3 scores which very few lenders use.

[RobertEG]

Had it been an extended period prior to the EQ update where the debt collector had not reported an update to the CRA?

[SeraphimSF]

It was definitely myfico.

---

@rmduhon wrote:
Sounds like you are looking at Credit Karma. If so, ignore those scores. Credit Karma uses Vantage 3 scores which very few lenders use.

---

[SeraphimSF]

---

@RobertEG wrote:

Had it been an extended period prior to the EQ update where the debt collector had not reported an update to the CRA?

---

So I took a look at this and there was no change in the reporting of the debt collector. There was however a notation added by equifax regarding my request to update the balance on my credit report. Unsure why that would cause such a dramatic drop.

[rmduhon]

I missed the Experian, just saw Tue and EQ which usually means CK. When was the last update on the account? Before this one.