Unexplained massive score increase

[Anonymous]

I woke up this morning to a monitoring notification and it was an unexpected 85 point rise in my equifax score.  All three scores have been stalled in the low 700's for months.  3 delinquent medicals from 2013 and 2014 that are still there.  Six credit cards that have been under 3% for over a year.  One car loan that I just paid extra payments to bring under 30% but has only reported to TU so far.  So now my equifax is at 795, TU at 700, and Experian at 703.  Is this a glitch?

[lyTENciL]

Wouldn't that be your medical delinquents falling off your Equifax?

[Anonymous]

---

@lyTENciL wrote:

Wouldn't that be your medical delinquents falling off your Equifax?

---

OP stated that they are still there.

Are these 3 scores all F8?  Just making sure the EQ one you are referencing isn't from EQ itself (their score).

A significant score gain such as that can usually only be had from a massive utilization paydown or when a dirty file goes clean.  From the information provided it sounds like neither of those is the case.  Do you have any accounts under dispute currently?

[SouthJamaica]

---

@Anonymous wrote:

I woke up this morning to a monitoring notification and it was an unexpected 85 point rise in my equifax score.  All three scores have been stalled in the low 700's for months.  3 delinquent medicals from 2013 and 2014 that are still there.  Six credit cards that have been under 3% for over a year.  One car loan that I just paid extra payments to bring under 30% but has only reported to TU so far.  So now my equifax is at 795, TU at 700, and Experian at 703.  Is this a glitch?

---

I would need to know where and how you're getting the scores and the data.

[Anonymous]

These scores are f8 from myFICO credit monitoring subscription.  I had a quarterly refresh ready for my credit report so I ran that and saw the delinquents were all still there.  None are under dispute.  My mortgage and other scores are way up as well with equifax.  

[lyTENciL]

---

@Anonymous wrote:

These scores are f8 from myFICO credit monitoring subscription.  I had a quarterly refresh ready for my credit report so I ran that and saw the delinquents were all still there.  None are under dispute.  My mortgage and other scores are way up as well with equifax.  

---

Apologies as I don't have the MF subscription so this may be nonsensical, but can you get your report directly from Equifax and see if there is anything different there?

[Anonymous]

If it's a quarterly report, my guess is that quite a few things may have changed since the last one.

[Anonymous]

Ok, did some more digging this morning.  It appears the medical collections have dropped off just equifax.  They're still on the other two.  I apologize for not catching that, I was just in shock over that kind of a jump.  Now any explanation why that would happen?  Thanks for all the responses.

[lyTENciL]

No worries! You were right around the 7 year mark on those collections, so it was the obvious explanation for an increase of that magnitude. I knew you would figure it out shortly.

As for why they came off one bureau and not the others, are there any differences in delinquency dates?

[Anonymous]

Items that are scheduled to fall off of reports around a certain time can come off earlier on occasion depending on bureau.  Looks like EQ was just first to go.  Hopefully you see similar significant gains when your EX/TU reports come clean.