Trans and Equifax drop significantly due to credit pull

[SouthJamaica]

So just for the record, the score drop had nothing to do with a "credit pull".

[messy_hair]

I pulled both credit reports on annual credit report. They both have the last payment date of June 2022, which is false. I do not have the exact payment date (will take some digging) but I do know I paid the in the winter/spring of 2021. What can I do with this information?

[donkort]

A "preapproval," I believe, is actually equivalent to a "soft pull," not a "hard pull," so there should be NO effect on your credit.

When was your "date of first deliquency" (DOFL)?  Usually,  the items will fall off after 7 or 7 1/2 years from the DOFL.

It's a bummer that paid collections affect your credit almost as much as unpaid collections.

[FireMedic1]

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@donkort wrote:

A "preapproval," I believe, is actually equivalent to a "soft pull," not a "hard pull," so there should be NO effect on your credit.

When was your "date of first deliquency" (DOFL)?  Usually,  the items will fall off after 7 or 7 1/2 years from the DOFL.

It's a bummer that paid collections affect your credit almost as much as unpaid collections.

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I believe you meant to say once it updates after being paid is like an update to a newer date. Not that the balance went to $0. That wont change anything. Unless its a PFD of course.