Collections/ MyFico 3B Updates/ Scoring Question

[grower1]

I have 2 baddies (medical). Both hit my credit while insured and after an in office deductible was paid. I had no idea that they were there. Long story short, the bills were sent to my old address. Both are paid and were due to fall off this coming February. I noticed that they are now reporting differently across different credit platforms.

Here are the details of each:

MyFico 3B ( dated 7/12/2019)

$75 Reporting to TransUnion and Experian

$94 Reporting to Equifax and TransUnion

*But a recent alert says the $96 collection was removed on 9/6/2019. No change to score.

Credit Karma

Clean file as of 9/15/2019

Experian

Clean file 8/23/2019

Credit Sesame dated 8/4/2019

Both still appear ($75 & $94)

Do you think the removals will be updated on MyFico when the October 3B is issued? I thought this type of update would be more instant. And shouldn’t I expect to see a score increase?

[Anonymous]

FICO 8 ignores collections under $100 that’s why you’re not seeing a score change and you won’t on version 8.

Of course you will see it on your next 3B, it was updated afterwards, as you can see from the other platforms.

https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/FICO-scoring-of-Collections-under-100/td...

[grower1]

Thank you for the insights Birdman.

[Anonymous]

My pleasure, I hope that resolves the mystery.