Credit Cards Center Credit cards from our partners
Reply
Established Member
Posts: 22
Registered: ‎06-23-2007
0

Re: Oh you gotta be kidding me! Score drop due to DISPUTE?

I had a similar issue early 2006 with a dispute (something covered in BK from 2001 that they showed as current Collection Account).  My EQ score was like 610 and everything else was 650+.  During the dispute it actually dropped but over the last few months its raised up to the level of the other FICOs now that its resolved in my favor.  If you give it time to resolve I'm sure it will adjust itself back to normal. 
 
Funny how watching credit is an obsession for me having gone from great to BK to rebuilding.  Still its like watching stocks in a way where the broker tells you "don't watch it daily you'll drive yourself nuts".  Every FICO alert sends me for the bottle of TUMS!
 
ErikArizona  Smiley Happy
 
Starting Score 02/2001 BK - 472
Current Scores 07/26/14 - EX 761, TU 742, EQ 738, FICO 720
Utilization - 13.40%
Gardening Until 5/2016 - Chase Sapphire Preferred Visa Signature 16.4k, Capital One Venture World MC 12.5k, BofA Cash Rewards MC 10k, Walmart Discover 8k, Citi Hilton Visa Signature 8k, Wells Fargo Propel AMEX 7.5k, Harley Davidson Visa Signature 7k, Citi Diamond MC 7k, Discover IT 6k, Chase Amazon Visa 5k, AMEX Delta Gold 3.8k
Frequent Contributor
Posts: 470
Registered: ‎04-07-2007
0

Re: Oh you gotta be kidding me! Score drop due to DISPUTE?

I'm so sorry this happening to you, love.  Smiley Sad  But you know what to do!  You'll make this right. 
Established Contributor
Posts: 630
Registered: ‎06-20-2007
0

Re: Oh you gotta be kidding me! Score drop due to DISPUTE?

ROLMAO!!!!  Tumms
9/18/08 TU=707 EQ=706 EX=702
Senior Contributor
Posts: 3,071
Registered: ‎05-17-2007
0

Re: Oh you gotta be kidding me! Score drop due to DISPUTE?

Thanks!
If we never set higher goals we would never get as far.
sol, credit 101, acr, abbreviations, calc
Senior Contributor
Posts: 3,071
Registered: ‎05-17-2007
0

Re: Oh you gotta be kidding me! Score drop due to DISPUTE?

I may have created some confusion. The dispute did not effect my score. When they re-investigated EQ changed my balance on my report to reflect an inaccurate debt. The incorrect debt dropped my score. I am completely baffled why they re-opened a closed dispute. I will find out for sure Monday when they open. It will definitely get cleared up because it was a very legit and honest dispute. Just time...
If we never set higher goals we would never get as far.
sol, credit 101, acr, abbreviations, calc
Senior Contributor
Posts: 3,071
Registered: ‎05-17-2007
0

Re: Oh you gotta be kidding me! Score drop due to DISPUTE?

I didn't know Equifax investigation dept operates over the weekend. I just received a Score Watch alert minutes ago. My re-investigation as of today is closed and score is back up!!! Smiley Happy Kinda cool because when they made the incorrect data change it confirmed something how I am scored. I got to see what another action would do. When they reversed it the score changed back. Awesome. For a FICO junkie like my self, I will consider that payment for stress damages. Smiley Happy
If we never set higher goals we would never get as far.
sol, credit 101, acr, abbreviations, calc
Highlighted
Moderator Emeritus
Posts: 9,252
Registered: ‎03-19-2007
0

Re: Oh you gotta be kidding me! Score drop due to DISPUTE?

I wonder if this qualifies for "Actual Damages"
Make sure you document this for a future lawsuit.......

ilovepizza wrote:
I didn't know Equifax investigation dept operates over the weekend. I just received a Score Watch alert minutes ago. My re-investigation as of today is closed and score is back up!!! Smiley Happy Kinda cool because when they made the incorrect data change it confirmed something how I am scored. I got to see what another action would do. When they reversed it the score changed back. Awesome. For a FICO junkie like my self, I will consider that payment for stress damages. Smiley Happy


Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

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

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. 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.