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Rapid Repayment of Installments...

Regular Contributor

Re: Rapid Repayment of Installments...

Let's just confuse matters here...
 
I just lost my oldest tradeline by stupidly disputing the balance @ TU. It was an installment loan that's not even 2 years old. Balance right at 5000. My DTI even with that payment was under 10%, so I didn't figure it was affecting my score that much. Never a late on it, just a good ole' slow paying loan.
 
I FREAKED when TU sent me the dispute status and said they deleted the TL. I literally went into a panic because I'm about to close on a house in 2 weeks and although my scores are fine, it's just that sinking feeling that "OH NO, NOT NOW!!"
 
I called TU and griped at them for a while, not quite going ballistic, but close. Got off the phone, realized there was nothing I could do and worked the rest of the day in a foul mood.
 
I get home, cringing as I logon to TC to update my report and see the effects losing that TL have on my score. I closed my eyes as I clicked the "I agree" and submitted it....
 
The result? TU FAKO raised almost 50 points. HUH???? For a measly 5K and the account that left the rest of my TLs with an average age of 5 months????? Color me confused, I assure you.
 
So I'm sitting here trying to decide is I want to spend another 13 something to get my TU FICO because I had JUST updated that score the day before.. lol  I figure what the heck, that will give me the real damage and go for it.
 
FICO TU? It also rose - only 30 points, but still a considerable increase.
 
So go figure.. I'm breathing better, but still royally baffled. I believe TU's scoring model scores installments differently than the other 2 CRAs, but c'mon, that's pretty drastic.
 
I feel it necessary to say... YMMV   Smiley Happy
Message 41 of 52
Moderator Emeritus

Re: Rapid Repayment of Installments...



Noah_Bodie wrote:


fused111 wrote:
bump

Post prostitute.
 


??
Message 42 of 52
Senior Contributor

Re: Rapid Repayment of Installments...



fused111 wrote:


Noah_Bodie wrote:


fused111 wrote:
bump

Post prostitute.
 


??



Post wh*re. A pejorative applied to those ...
Message 43 of 52
Senior Contributor
Senior Contributor
Senior Contributor
Senior Contributor

Re: Rapid Repayment of Installments...

Message 47 of 52
Moderator Emeritus

Re: Rapid Repayment of Installments...



Noah_Bodie wrote:
... of bumping up their post count. Smiley Wink


Your weird!Smiley Surprised I did it once in this thread because I wanted others to see the hilarious picture in one of Tuscani's earlier posts. I noticed it was falling fast towards the bottom of the page. 
Message 48 of 52
Moderator Emeritus

Re: Rapid Repayment of Installments...

My chants to Allah do not appear to be working.
Message 49 of 52
Senior Contributor

Re: Rapid Repayment of Installments...



fused111 wrote:


Noah_Bodie wrote:
... of bumping up their post count. Smiley Wink


Your weird!Smiley Surprised I did it once in this thread because I wanted others to see the hilarious picture in one of Tuscani's earlier posts. I noticed it was falling fast towards the bottom of the page. 



Umm, it was a joke.
 
Message 50 of 52