Early Exclusion Success but massive point drop.

[sjt]

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@Unfaithful wrote:

Hey all, I had several degros that were set to fall off next month and some in September, November and December. I called Transunion and after 2 calls found a supervisor that got them all removed. I did the same with Experian and to my surprise the CSR said he removed all derog accounts even the ones that were set to fall in December and November but couldn’t remove the one that was due to fall of in September. I didn’t ask why but I was so shocked that he went ahead and removed the ones from November and December without me even asking! I was certain my score would go up significantly and to my surprise, it was the opposite! To my surprise, again, I get an alert the next day that my Experian Fico score dropped 28 points. Went from 672 to 644. I have a paid membership with Experian and there’s a section that says “see what changed” and everything listed says “could help” as a result from the derogs being removed. There’s nothing listed in the “could harm” section. Is it because of age of the account? I still have that one last derog that set to fall off in September. I also have one 30 late, paid and closed account from 2018. Im doing AZEO, so all my accounts are paid in full except one account that has a very small balance. Any reason as to the 28 point drop?

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Thanks for sharing your information. Interesting DP! I don't think the score drop was due to AAOA, especially if your AAOA went down by a few months. Since you are an Experian member, I would compare your current report with a previous report. Comb through the reports to find any changes. Another thing, when the last charge off is removed, you will see a very nice score bump. I would call Experian in June or July to get an early deletion for that last C/O. I would also do a goodwill for that late payment.

[spiritcraft1]

You moved into a different bucket.  The same exact thing happened to me (and the DW)

Once that last derog is gone, your score will rocket upwards.  In the meantime, you will start getting some points back month by month.  Don't despair.

I dropped 30-40 points on EX when I was left with only one CO.  Same happened to the DW to a lesser degree but when that last derog dropped, she gained 80-104 points.