Credit Score Fair Play

[RayvonTCO]

Let's say for example your eq score is 650. All of a sudden a collection hits the report. Your score drops to 625 for example. Things happen ya da ya da it gets deleted.

Does your score go back to the original 650?

Does it get restored to a little less like say 640?

Or is it possible to go higher than the original score?

If any of these factors are true, could it depend on how the deletion occured?

Please be very critical so if this is a stupid or redundant question please let me know.

[lyle7289]

the answer is "all the above"

The credit scoring senarios are as good as anyones guess. Logic would dictate that the score would go back to oringinal 650 or a little higher due to aging accounts. But then again, FICO is a mystery and every senario is a crap shoot in my opinion.

[RayvonTCO]

Somebody, Anybody

[LNY]

Your score does not depend on one event. It is only calculated when you pull it, and then it's calculated based on every piece of information in your report at that moment, not just the one thing you know just happened. It doesn't sit at a base score, with points added and deducted as each event happens. So it's impossible to tell how any one thing has affected your score. For everything you notice (like a deletion), there's a bunch of things you don't notice (like the aging of an account or inquiry) that will go into the calculation.