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Established Contributor
n777ua
Posts: 573
Registered: ‎05-29-2011
0

Dispute Oddity

I had an unusual result with a dispute I recently filed.  

 

I disputed a 60day on two accounts closed a few years back, one Orchard and another HSBC.  I got the results today, and instead of fixing the 60day...they deleted the entire tradeline...the account and all history is gone.  Anyone else had anything like this happen ? 

Amex Green NPSL, Amex BCE $19.7k, Amex HH Surpass $11.3k, Amex Simply Cash Business $3k, Chase Ink Bold $15k (flex)Chase Sapphire Preffered $26k, Citi Diamond $13.3k, Citi TY Preferred $10.5k, Virgin Atlantic Amex $8k, Discover Motiva $10k, Boa World Elite $10k, US Bank Visa $4.1k, GE Amazon $4k, GE Lowes $6k, BillMeLater $5.3k, Target $.2k, CapOne $2k Von Maur NPSL,
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
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Re: Dispute Oddity

Congrats

Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Dispute Oddity


n777ua wrote:

I had an unusual result with a dispute I recently filed.  

 

I disputed a 60day on two accounts closed a few years back, one Orchard and another HSBC.  I got the results today, and instead of fixing the 60day...they deleted the entire tradeline...the account and all history is gone.  Anyone else had anything like this happen ? 


Sometimes that does happen, and in some cases does more damage then good (killing someone's AAoA). They consider the entire TL inaccurate and delete.

 

Hopefully its helped you more than hurt, CONGRATS!!

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
n777ua
Posts: 573
Registered: ‎05-29-2011
0

Re: Dispute Oddity


LS2982 wrote:


Sometimes that does happen, and in some cases does more damage then good (killing someone's AAoA).

 


Which it looks like it did, not sure how accurate creditkarma is but my scores are down about 20 points....swell.

Amex Green NPSL, Amex BCE $19.7k, Amex HH Surpass $11.3k, Amex Simply Cash Business $3k, Chase Ink Bold $15k (flex)Chase Sapphire Preffered $26k, Citi Diamond $13.3k, Citi TY Preferred $10.5k, Virgin Atlantic Amex $8k, Discover Motiva $10k, Boa World Elite $10k, US Bank Visa $4.1k, GE Amazon $4k, GE Lowes $6k, BillMeLater $5.3k, Target $.2k, CapOne $2k Von Maur NPSL,
Valued Contributor
jamesdwi
Posts: 1,947
Registered: ‎09-16-2011
0

Re: Dispute Oddity


n777ua wrote:

I had an unusual result with a dispute I recently filed.  

 

I disputed a 60day on two accounts closed a few years back, one Orchard and another HSBC.  I got the results today, and instead of fixing the 60day...they deleted the entire tradeline...the account and all history is gone.  Anyone else had anything like this happen ? 


This is what I am affraid of, I have two HSBC cards misreporting, both are closed with a zero balance, no negatives but both are reporting open in good standing one with a $69 balance its AF, that has been reversed in the system. So I let sleeping dogs lye and aging, when they get around to closing them I will get 10 years of good reporting from that date instead of 6 months ago when I closed them. If i dispute them they might get closed and they are among some of my oldest TL's no reason to risk deletion.

 

 

 

 


Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Zync NPSL, Sams Club MC 10k, Paypal Extras MC 6k, CapOne QS 2.5k, QS 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 4/26//2014 no plans for new credit I think I have enough.

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