Disputed and won, but really lost.

[Anonymous]

About a month ago, I made an online dispute with Equifax .  My foreclosure from Wells Fargo was listed as "open," and I thought this is wrong so I better dispute it.  That was before I was paying close attention here about the difference between an open or closed installment loan...  

Anyways, so wells fargo fixed it.  My report now shows that mortgage as closed.  And I got a nice 14pt drop.  So, word to the wise, leave it alone if it is benefiting you..lololol.  On the bright side, my scores are now closer to being consitant accross all 3 CRA's.  I still have 1 old good account that only reported to equifax, so it will always have a slight boost until it falls off. 

[RonM21]

There are always learning experiences that come with using the dispute process. Just about everyone goes through this. I know I did lol.

[takeshi74]

Don't just obsess over the numbers and ensure that your reports are correct.  It is covered in many threads that closing your only open installment will lead to such a scoring drop.  Don't overlook existing discussions as a resource.

[DoroLucky]

We need a how micromanage your credit 101 guide lol. Anyway CONGRATS Op or not lol