Hi everyone, haven't been on in a while (solidly in the garden). So I recently had a public record (tax lien) drop off of my Transunion & Equifax reports. (It was never on my Experian report) I had initiated disputes with both agencies primarily because the date shown on the report was incorrect to my knowledge. (I also disputed years ago when it first appeared because it was not even supposed to be there in the first place but that's another issue, the whole thing is super confusing.) Long story short, they sent me a letter and said that no - their records were correct and this record wasn't due to be removed until September 2018. I figured that wasn't so far away and left it alone. Today, I logged into Experian and all three reports were ready for viewing, and I noticed that the record had been removed after all. It clearly now states "There are no public records to show".
BUT. My Transunion score went DOWN by 7 points. How? Why? I would think such a significant baddie falling off would impact my score in a positive way? Equifax has gone up, as has Experian, mostly because I've recently had credit line increases in addition to overall much lower utilization. But TU has been a thorn in my side with their dismal scoring. Can anyone explain this?
**PS - FWIW, there is a 65 point spread between Equifax and Transunion. I compared each report side by side and all of the information is identical, down to current open balances, etc. What gives? TU has *always* been my lowest score but I just can't figure it out.
