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Credit increase 19 points following re-dispute) investigation

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Anonymous
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Credit increase 19 points following re-dispute) investigation

Hi first of all I just want to say thank you to everyone who replies it has been so helpful. So I disputed a $78 collection for a second time on a account for Verizon on my credit report and my score went up 19 points and there's comments on my credit report this a dispute. Any reason why the score would have went up 19 points today?
Message 1 of 5
4 REPLIES 4
thornback
Senior Contributor

Re: Credit increase 19 points following re-dispute) investigation

FICO scoring excludes accounts that are marked as in dispute for the period of time they remain in dispute. To be clear, FICO excludes only the disputed information such as an account balance and late payments—not the entire account. So, if your dispute results in a deletion, it is possible to see an even higher score increase than the 19 pts.
Personal Aphorism:"Forget What You Feel, Remember What You Deserve"
Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA:
4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
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Garden Status:  


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 2 of 5
Anonymous
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Re: Credit increase 19 points following re-dispute) investigation

Thanks for the clarification!
Message 3 of 5
Anonymous
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Re: Credit increase 19 points following re-dispute) investigation

Any updates on your dispute?  Was it resolved?  I need to submit a dispute to them but am not sure what to write... 

Message 4 of 5
Anonymous
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Re: Credit increase 19 points following re-dispute) investigation

It was resolved as paid. I am trying to get it removed all together still.
Message 5 of 5
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