A Bit Miffed..Score Related

[Anonymous]

Hey gang,

I had a tax judgement pop up on my credit report from 2009 which turned out to be an error on the State's  part.  This judgement dropped my score something nuts like 60 points.  I provided proof of payment of my state taxes on time and the judgement was removed (sorry forget technical term), I also disputed with Equifax and they removed it from my file.  Problem is my score only went back up 40 points!  I don't understand it, how could the info be removed but my score not revert to it's pre-error standing?? 

My score went up as soon as I got word of the judgement being deleted from my file, will the other 20 some odd points come back at the start of the new month?  If not who do I call to get this taken care of?  It's really not fair that my score has been hurt by errors on the part of my old state.

side info:  I am anal about my credit now and I am 110% debt free as of the start of this year.  I only owe my monthly bills and I have a near baddy free credit report.  The last one falls off this November and it is only one 30day late payment from college.  The account shows paid as agreed though.  I busted hump to clean up my act..this is really peeving me off.  Any help is appreciated.

[CreditBob]

Here is may help you out. Any revolving accounts that are paid in full doing the following. Have each one report a $ 5 (five dollar) balance instead of having it paid in full. Two things happen. One you keep the account from being reported as inactive. Two having some balance on a credit report will increase your fico score some. I am saying this through experience. After the creditor has reported the revolving account, if you have any, then pay off the account. Then do the same thing each month.

[GregB]

If your report goes back to being exactly like it was before the tax lien appeared then you should get the same score. People love to believe that they lose a certain amount for a negative change and then don't get it all back. It isn't true. FICO scores, and likely all others, are calculated off the info in your report at that moment. Same info will result in the same score. Look carefully at both reports to find the other difference(s). If you do actually have zero revolving debt, that could be the difference that CreditBob was referring to.

If you have several CC accounts, it seems you will get the best score by letting ONE of them report a balance. Leaving a balance on ALL of them is a bit worse. They don't need balances reported to avoid closure due to inactivity. The CC companies know when their accounts are being used & don't look at a CR to see if their account has activity.

[Anonymous]

Reports are identical.  The only listed change is that now removed judgement.  I have zero revolving debt, but I had zero revolving debt before.  I only just got a score change.  I'll pull a new report at the end of the month and see if it reverts, if it doesn't I'm going to have to raise my score the old fashioned way I suppose..I'm highly annoyed. Months of hard work gone for nothing.

[gamegrrl]

Could this be a case of rebucketing?