I just had a paid CO with Midland removed from my EQ report and there is no FICO score change! However, on TC my FAKO has gone down 13 pts!! I had GW'd them several times and low and behold they are now removed from all 3 of my reports. But, when this same item was removed from TU and EX, I saw a score jump. Nothing else on my EQ has changed and I really expected to see at least a few points boost but nothing! Could it possibly change in a day or two or is it always an "instant change?" Grrrr...Oh, I forgot to mention that this was paid just in December 2007 so it wasn't very old. Any idea why I didn't see any change? I'm really confused and disappointed because EQ is my weakest score. 