Wow that was fast!

[colindidit]

Called to dispute some things on my CR yesterday. A balance was still effecting util for a card I removed my self as an AU on. Rep said it would take 30 days , login to CK and it's gone lol score goes up 9 points to 647 and my fico goes from 675 to 717. Hard inquiries falling off like its going out of style. Didnt know that card was effecting me that much..

[Epcot]

Nice, Congrats! Util sure plays a big role in scores.

[chnceit]

^^^^^ yup agree with you!

Congrats on the score increase!

[SwiftTone]

O hey, I have the exact issue; I was an AU and was removed. My CK report still reports the balance from before I was removed. My TU report reports a balance up to the month that I was removed, but this account is still under. My CK util is 10% but my actual util is 4% if I don't include the balance on the old AU account.

 

After you disputed, did you lose the whole tradeline or was the balance just updated?

[colindidit]

Call TU and dispute

[SwiftTone]

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@colindidit wrote:
Call TU and dispute

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I edited some text on my last post because there were missing info and the formatting was weird.

Please advise with new info. thanks

[colindidit]

According to CK It took away the tl

[SwiftTone]

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@colindidit wrote:
According to CK It took away the tl

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Thats what I am on the fence about. I have to decide if I want to lose a positive TL or have an increased util

[colindidit]

Well my fiancée maxed it out and it didnt effect my acct age

[SwiftTone]

What was your old util before dispute and what is your new util after dispute