Reply
Established Contributor
myhearts07
Posts: 858
Registered: ‎06-26-2007
0

Guess What?

I talked with a guy from TU today and he said that deletes can sometimes cause our scores to go down.  I had three deletes.  One was a good TL and according to TU when they called them to dispute the wording included in the TL they told them to just delete it.  I never had a problem paying these people and when it was deleted, my score dropped.  So deletes do affect your score, it just depends on the kind of delete that it was.  This was a TL that was pretty good and because the company was too lazy to change the wording to say account transferred/sold to another company, they decided to delete it.  I am way passed pissed off....  Can I call them to get that delete reinstated?  Will it help my score?  Also, in checking with TU an account that was part of my bankrupty dropped off this month because the rep couldn't find it when I asked what day would it come off, but found it listed again on my report by another company.  I disputed it right away because that account is the exact same account that was discharged in  my bankruptcy, so now it looks like a new collection.
Do you think that this will get corrected?
 
Moderator Emeritus
Timothy
Posts: 9,252
Registered: ‎03-19-2007
0

Re: Guess What?

What was your dispute reason?
 

myhearts07 wrote:
I talked with a guy from TU today and he said that deletes can sometimes cause our scores to go down.  I had three deletes.  One was a good TL and according to TU when they called them to dispute the wording included in the TL they told them to just delete it.  I never had a problem paying these people and when it was deleted, my score dropped.  So deletes do affect your score, it just depends on the kind of delete that it was.  This was a TL that was pretty good and because the company was too lazy to change the wording to say account transferred/sold to another company, they decided to delete it.  I am way passed pissed off....  Can I call them to get that delete reinstated?  Will it help my score?  Also, in checking with TU an account that was part of my bankrupty dropped off this month because the rep couldn't find it when I asked what day would it come off, but found it listed again on my report by another company.  I disputed it right away because that account is the exact same account that was discharged in  my bankruptcy, so now it looks like a new collection.
Do you think that this will get corrected?
 




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+
}