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!

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+