Baddie gone, score went down

[907grown]

So I have this acct from LVNV funding, it was a sears card that went bad.  Sears sent it to them for collection.  It does fall under my credit items as opposed to a collection acct. Anyway, it just came off this month and my score dropped 4 points, not a biggie, but I am not sure why.

[Jazzzy]

Was this your last baddie?

Is it possible that you have been rebucketed? What else has changed on your reports since you last checked your score?

[907grown]

Nothing, this came as an alert from FICO.  The alert just said that the account had changed.  It gave me a number of reasons why the score would go up, but nothing about why it went down.

Thank You

[Anonymous]

If this was your last baddie falling off it is possible you were rebucketed.

[Anonymous]

Was this one of your older reported accounts?

Sometimes a derog being removed can result in a score drop due to the loss of account age/ AAoA or oldest account.  After 2 years, the derog nature counts less and less in FICO scoring until eventually the age actually helps score more than the derog hurts and once removed you can see a small drop.

However, IMO, it is better to have a cleaner file, albeit a little lower score, than having a little higher score but a derog reported.

IMO

[Anonymous]

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@Anonymous wrote:

Was this one of your older reported accounts?

Sometimes a derog being removed can result in a score drop due to the loss of account age/ AAoA or oldest account.  After 2 years, the derog nature counts less and less in FICO scoring until eventually the age actually helps score more than the derog hurts and once removed you can see a small drop.

However, IMO, it is better to have a cleaner file, albeit a little lower score, than having a little higher score but a derog reported.

IMO

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+1

I totally agree with this. The less explaining the better.

[907grown]

Yes, this was fairly old 5-6 years, also, just this month, a reposession from Wells Fargo fell off~!  This acct ages back to 2002, it has been paid off for years, but has just sat there....  Just came off, will this cause a further drop?!  I do agree, it makes more sense to have less bad stuff on the file.  These points should come back sometime soon right?