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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  :smileyhappy:
 
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: 432
Registered: ‎04-07-2007
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Re: Oh you gotta be kidding me! Score drop due to DISPUTE?

I'm so sorry this happening to you, love.  :smileysad:  But you know what to do!  You'll make this right. 
Established Contributor
Posts: 630
Registered: ‎06-20-2007
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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
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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!!! :smileyhappy: 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. :smileyhappy:
If we never set higher goals we would never get as far.
sol, credit 101, acr, abbreviations, calc
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!!! :smileyhappy: 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. :smileyhappy:


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