cancel
Showing results for 
Search instead for 
Did you mean: 

Wow that was fast!

Established Contributor

Wow that was fast!

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..
Wallet: Barclay-5k, Citadel MC- 5k, Slate- 4k, Freedom- 3k, BOA- 3k, Citi- 2k, AMEXBCE- 2k and more...
14 REPLIES
Valued Contributor

Re: Wow that was fast!

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

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Valued Contributor

Re: Wow that was fast!

^^^^^ yup agree with you!

Congrats on the score increase!

Last Pulled EQ: 809
Last Credit Card App: 02/05/2016
Last CLI: 02/06/2016
Find Me: Gardening
Established Contributor

Re: Wow that was fast!

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?
AMEX: $0/$25,000, CSP: $0/$6500, Chase Priority Club: $0/$3500, Freedom: $0/$6000, Barclays NFL: $0/$7000 Discover: $0/$14,000, Citi Dividend: $0/$3500

EQ FICO - 728
TU FICO - 743
EX FICO(AMEX) - 712
Established Contributor

Re: Wow that was fast!

Call TU and dispute
Wallet: Barclay-5k, Citadel MC- 5k, Slate- 4k, Freedom- 3k, BOA- 3k, Citi- 2k, AMEXBCE- 2k and more...
Established Contributor

Re: Wow that was fast!


colindidit wrote:
Call TU and dispute

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

Please advise with new info. thanks

AMEX: $0/$25,000, CSP: $0/$6500, Chase Priority Club: $0/$3500, Freedom: $0/$6000, Barclays NFL: $0/$7000 Discover: $0/$14,000, Citi Dividend: $0/$3500

EQ FICO - 728
TU FICO - 743
EX FICO(AMEX) - 712
Established Contributor

Re: Wow that was fast!

According to CK It took away the tl
Wallet: Barclay-5k, Citadel MC- 5k, Slate- 4k, Freedom- 3k, BOA- 3k, Citi- 2k, AMEXBCE- 2k and more...
Established Contributor

Re: Wow that was fast!


colindidit wrote:
According to CK It took away the tl

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

AMEX: $0/$25,000, CSP: $0/$6500, Chase Priority Club: $0/$3500, Freedom: $0/$6000, Barclays NFL: $0/$7000 Discover: $0/$14,000, Citi Dividend: $0/$3500

EQ FICO - 728
TU FICO - 743
EX FICO(AMEX) - 712
Established Contributor

Re: Wow that was fast!

Well my fiancée maxed it out and it didnt effect my acct age
Wallet: Barclay-5k, Citadel MC- 5k, Slate- 4k, Freedom- 3k, BOA- 3k, Citi- 2k, AMEXBCE- 2k and more...
Established Contributor

Re: Wow that was fast!

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

AMEX: $0/$25,000, CSP: $0/$6500, Chase Priority Club: $0/$3500, Freedom: $0/$6000, Barclays NFL: $0/$7000 Discover: $0/$14,000, Citi Dividend: $0/$3500

EQ FICO - 728
TU FICO - 743
EX FICO(AMEX) - 712