Having collection deleted dropped score 47 points?!

[MissLiz]

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@Timbo12 wrote:

I  just had a collection deleted off of Experian and it went up just 4pts. I guess I have to wait for the next big bump up on my Fico score like the OP. Would the next three weeks seem reasonable for an adjustment? I'm going for a car loan and trying to wait till the last second. TIA

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Do you have any other derogs on your report?

[Timbo12]

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@MissLiz wrote:

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@Timbo12 wrote:

I  just had a collection deleted off of Experian and it went up just 4pts. I guess I have to wait for the next big bump up on my Fico score like the OP. Would the next three weeks seem reasonable for an adjustment? I'm going for a car loan and trying to wait till the last second. TIA

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Do you have any other derogs on your report?

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Yes. I have one other collection for $500 that's in litigation.

[MissLiz]

4 points may be the only gain you'll see until that last collection comes off your report. That's when you'll see the big increase. 

[Timbo12]

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@MissLiz wrote:

4 points may be the only gain you'll see until that last collection comes off your report. That's when you'll see the big increase. 

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That's great.

If this other account is in litigation, shouldn't it come off the file temporarily?