Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007

Re: Disputes

myhearts07 wrote:
Maybe settled is not the right term here.  I see updated and deleted on TU & EX.  Does this help my score?  Here is what I disputed:  Disputed a collection account that was not mine, it was deleted.
Account appeared two times on all my reports, deleted from TU, one removed from EX and one left.  This is a valid account.  I had a lot of duplicate accounts that were updated and I also had a BK7 from 2001 and a lot of the accounts were listed individually and as part of the BK.  So those accounts are now showing as part of the BK7 but not listed individually anymore.  My lender, Countrywide, reported my April 07 payment as late when in actuality I paid more on the mortgage payment and they didn't know what to do with it, so they held my payment.  Got letter showing their error, is not reporting late to bureaus.   This was all that was disputed.

Any deleted derog only helps your score in the long run. Congrats!

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.