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Why did my credit score drop after paying off a collection?
Only TransUnion dropped 95 points after I paid off my collection account. It was originally reported under an agency, and when I tried to resolve it, it was actually referred back to the original company. I paid through that, but it was never reported as having existed, and the collection agency refused to take it off my report (stating I had to do it through the company, who had no control over what reporting the agency did). Equifax never reported it, but Experian still records it. I have very poor AAOA, but I had that before the collection agency too. The only thing that seems to have changed, is the removal of my one and only derogatory mark.

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