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Vantage Score Delusion
I filed letters with the 3 bureaus on an account that was not mine. Today I received a letter from Equifax stating their investigation was complete and they deleted the item from my credit file.

I log in to Credit Karma and my Equifax score, currently updated, dropped 42 points. YES - a MINUS 42. What is this all about.

And NO - nothing else changed. My utilization rated never go above 7 percent, I have no new credit, nothing else was added or dropped, I check my latest report line item by line item. Something is seriously screwed up with Vantage Score.

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