It is common during the credit restoration process to see a client’s credit score fluctuate. And, in some cases, even decrease after an initial round of deletions. While this may be discouraging it can actually be a sign of progress. The reason for this temporary decrease is due to what is referred to as “rebucketting” by the credit bureaus.
Rebucketting, in its simplest form, is when a credit profile moves from one group of similar consumers (e.g. collection accounts, late payments, etc.) to another. Most “buckets” share some of the same scores, and because each has around 30 points in either direction, it is possible to move into a higher bucket but have your score adjust down a few point relative to your position within that new group.
This process should be a sign of encouragement however, since being at the next level will allow you to move up and past your old score much faster since you are no longer being impacted by the old bucket’s ceiling.