By deleting negative information, a degree of instability has been introduced that the credit scoring system cannot immediately account for as a positive change. Initially, the deleted information and the instability cancel each other out, resulting in little or no change in your credit score. Give it 30 days to update and it willgo in your favor. Congrats and Happy Holidays!
@RonelTheGeek wrote:I am wondering if that Collection account , despite being negative had also factored into your Age of Accounts, where, when it was deleted it lowered your Age of Accounts? could you check to see if it has been lowered before and after the collection was removed?
That could be entirely possible. This collection was quite old (almost 6 years), so maybe it was factoring into the age of my credit and that could account for the huge drop since it was deleted. I guess I never thought that a collection could actually help my score. The minute it came off, my score tanked almost 50 points. Unreal. My husband is getting quite the kick out of this because of all the work I've been doing on my credit this past year and he is finding great humor in the fact that I got something negative deleted and lost 47 points, yet when I got a couple of negative items removed from his credit, his scores shot right up. 
As far as I know, collections do NOT factor into AAoA. A chargeoff, yes, but a collection, no.
The reason I can think of is rebucketing. Are there any more negative items left on your reports? Lates, chargeoffs, repos, etc? If not, then your profile may have been rebucketed, taking you from a public record scorecard to a clean scorecard. This may explain the sharp drop, because you were placed at the "bottom" of the new, clean scorecard; however, now that you're derogatory-free, your score ceiling is so much higher and you should recover those 47 points quickly.
@jrwa81 wrote:I'm sitting here in complete and total disbelief and trying to make sense of this. I just had an old collection account deleted from my Experian report. It was the only collection that I had and it was from 2016. It was only reporting on Experian. It was a very small collection for just a little over $200 (old Fingerhut account from years ago). I had disputed it because when I contacted the collection agency a couple of weeks ago to try to get a PFD, they could not even find my account in their system. So, I disputed it with Experian and they just deleted it, which somehow resulted in a 47-point drop in my score!!!!!! I had checked my Experian report only about 6-8 hours ago, so I can absolutely confirm that it was 47 points higher right before this collection was deleted. How in the world could having a NEGATIVE item like a collection deleted from my report tank my score like that, especially since this now leaves me with zero collections??? Having this removed should have had the opposite effect. There have been absolutely no other changes to my credit report. Believe me, I've just gone through it multiple times with a fine-toothed comb looking for any changes that could account for this kind of a sudden drop, but there is absolutely nothing. The only thing that changed was the deletion of this old collection. Can somebody please explain this to me? How am I losing such a massive amount of points (or even ANY points) from having something negative deleted? This makes NO sense! Will I ever get these points back?
I can relate to this. I completed a debt settlement program in September, thinking that my scores would increase when accounts were listed as paid. In some cases my score stayed the same, increased slightly, or dropped. I, too, was shocked at this. I followed the advice I got on here to keep working on rebuilding, which I have. I have had several inaccuracies removed from my credit reports, gotten two credit cards and an installment loan, and my scores are increasing regularly. My biggest jump came when two false collection reports were deleted. My scores have risen 50-60 points. It has only taken 3 months, which isn't bad.
Just keep working on your rebuild, and it will all work out.
