The only difference in Friday and Today is that a collection account was added over the weekend - Does this account for a 20 point drop??? I am also mad about the collection account. It is for a creditor that responded a two months ago to my validation letter advising they could not locate my account, would I please provide them with the account number (Yeah right, that was going to happen). They deleted the entry from Experian, and apparently sold it to this collection agency - the validation letter to them is already in the mail. What really ticks me off is that Experian says this has been reported since 5/01 - odd considering it was not showing Friday - or did I sleep for 3 1/2 months thinking it was a weekend?