Is this a good Credit Alert?

[Anonymous]

Received this credit alert from Equifax.

I sent out a dispute couple of days ago, regarding a late payment I had with Bloomingdales.  I paid the charge in full and sent a dispute to have it removed under my negative account.  Anyone with experience on this, that is having a negative account removed.  I only have one 30 day with this card, all my other card are paid on time.

Thanks

04/15/2012

Equifax- Account Information

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The following changes were reported for your BLOOM/DSNB account :
Balance Amount Changed from $333 to $0
Comments on your account changed from Consumer disputes - reinvestigation in process to Charge

Equifax - Account Information

Creditors who you have an existing relationship with periodically report changes to your account. If you feel these changes are incorrect, contact the creditor as this may be a sign of fraud.

Company Contact Information:

PO Box 8218,  Mason,  OH 450408218 (800) 243-6552

BLOOM/DSNB

Company/Account Name:	BLOOM/DSNB
Company Address/Phone:	PO Box 8218, Mason,  OH 450408218 (800) 243-6552
Account Number:	210447064XXXX
Date Opened:	01/01/11
Last Activity:	03/01/12
Type:	Revolving or Option
Rate/Status:	Pays account as agreed
High Credit:	N/A
Terms:	N/A
Balance:	$0
Past Due:	$0
Most Recent Date Reported:	04/01/12
Comments on Account:	Charge

[Anonymous]

I got bumped up 7 points   From 650 to 657 on my Equifax Score.

[llecs]

It means the late cost 7 points. Congrats.

[Anonymous]

Do you think this is something I can get removed from  my negative account, being that this is the only account that is reported negative?

[llecs]

Did you pull a new FICO report since the dispute? If so, is the red flag still there?

[Anonymous]

I received a message saying that it will take about 45 days for the dispute to process.  I am going to pull a new report on Tuesday.  Use that report and send a lettter to TU to remove the collectino account.

[llecs]

What you posted above isn't a collections account. It's a Bloomingdales charge account. It shows from the alert that the dispute is over. I don't see anything negative about it.

[Anonymous]

Thanks!

Sorry for the confusion, I meant to say after this Bloomingdale dispute I was going to send another dispute to get the collection account removed.  The alert shows that the balance has been decreased, I am going to pull a new report tomorrow.  Hopefully the negative account is removed and not just an update of the amount decrease.