Last Collection removed DPs and Question

[Anonymous]

I had my final Portfolio collection removed which yielded the following results (Score Before/After):

                        Experian:              Transunion:                                Equifax:

Fico 8        668/697                    655/704                                     673/709

Mortgage 611/629-FICO 2       644/668 -FICO 4                       630/630 - FICO 5

I still have charge offs and late payments to goodwill but my question is the Equifax FICO 5 didnt move after the collection was deleted while every other FICO score went up at least 10 points. Any thoughts?

[newmomnewme]

Anyone have an answer to OP question? I was about to post a similar one and found this while searching. 

Thread hijacking in progress --

In a few days, I will have only one collection (settled 11/2018) and a CO (only on TU) from the original creditor. 

I am trying to plan my course of action...do I contact the original creditor and try to GW them or keep GW the collection agency? 

If I get rid of the both collections and the CO remains, will I still be in the dirty bucket for TU?  

Thanks in advance!

[DollyLama]

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@Anonymous wrote:

I had my final Portfolio collection removed which yielded the following results (Score Before/After):

                        Experian:              Transunion:                                Equifax:

Fico 8        668/697                    655/704                                     673/709

Mortgage 611/629-FICO 2       644/668 -FICO 4                       630/630 - FICO 5

I still have charge offs and late payments to goodwill but my question is the Equifax FICO 5 didnt move after the collection was deleted while every other FICO score went up at least 10 points. Any thoughts?

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Is one of your charge offs only reporting to Equifax and not EX or TU? Or any derog account with lates? Or on a monthly basis for the chargeoff. Example ABC Credit bal$568 across on all bureaus, but last reported EX Aug 18, TU Aug 18, EQ 3/19?

[Anonymous]

Nope. Charge offs are same in all three bureaus. The collection fell off experience 1st, then Transunion and Equifax the next day...

[Anonymous]

I'm actually a bit surprised that you gained that many or any points to be honest since there are still other major baddies present on your CR.  My question would then turn to the age of the negative items.  It would suggest to me if your score increased that the age of the major negative item that came off your report was younger (more recent) than the age of the negative(s) remaining.  Is that correct?

[Anonymous]

Maybe. The last collection that was removed was 13 months old. The charge offs I have remaining are more than 2 years old. I still have a 120 day late that will reach 1 year threshold in May. Just wondering why EQ mortgage score didnt move. That may be it, but if the other 2 mortgage scores moved then I would suspect EQ mortgage to get bumped. Transunion and Experian reports are the same. My Equifax doesnt have 2 installment loans on it and one of the 2 installments has the 120 day late, which makes my question more intriguing on why EQ mortgage didnt move.