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Dispute Oddity

Established Contributor

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 ? 

About $215,000 total credit among 11 cards
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4 REPLIES
Established Contributor

Re: Dispute Oddity

Congrats

Message 2 of 5
Mega Contributor

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!!

 




EQ FICO 548 3/3/16
Message 3 of 5
Established Contributor

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.

About $215,000 total credit among 11 cards
Message 4 of 5
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Valued Contributor

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.

 

 

 

 

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