EQ. I disputed Capital One as it being listed in my ch 13 BK discharged. My BK will drop off my report in Aug. 2007. I also disputed two lates to JC Penny back-one in 2000, and 0ne in 2001.
I also disputed three Bank Of America as it is listed in ch 7 BK. I never filed a ch 7, just 13. I know that ch 7 can stay on for 10 years. I didn't want to wait until Aug. to see if they dropped so I wouldn't have to wait two or three months to then dispute them.
I lost 24 points for disputing Cap One and JC Penny. They are calling them-reinvestigation. I have before disputed Crapital One, but never JC Penny. I wasn't penalized for disputing the three B of A.
Why did my score drop for disputing? I lost 11 more points earlier in the last week as well for using my CC's on vacation. Thats a total of 35 points. I have already set up payments online for this months payments on CC's to get them back down. Will I get the 11 points back when those balances are paid back down?
Fico scoring doesn't seem to mind taking your points, but they don't seem to want to give them back as fast.
Thanks for your input.