My credit expert score has been stuck at 666. Today it rocketed to 667, the first change since I have been monitoring it. The only change I see is that this paid collection is gone from the report. Does this mean that the CA deleted it? Or is it just a quirk in the CE software - gone today, back tomorrow? Will the CA have to send me a reply to my validation or can they just remove the item from my reports? Of interest, when I used the CE simulator last week (I know it is inaccurate), it said I would get a 120 point boost by deleting this paid collection. I would hate to think that it is only worth 1 point. This is the last negative on my report. I have 38 positive tradelines.