Refute backfires

[Anonymous]

I messed up. My Equifax is now 100% accurate- I am now waiting for the MYFICO alert that me score has dropped. I refuted a late on an old mortgage account. They verified it, added an additional late. I am going to be busting out a bunch of GW's for several accounts. I want to let people know that when an item is in refute, it is not calculated in your FICO score. The only good news is that I added a TL during the refute.

[Anonymous]

Really that's interesting to know. I always wondered if when you disputed something if it's included in your credit score calculation

[Tuscani]

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Timothy wrote:
I messed up. My Equifax is now 100% accurate- I am now waiting for the MYFICO alert that me score has dropped. I refuted a late on an old mortgage account. They verified it, added an additional late. I am going to be busting out a bunch of GW's for several accounts. I want to let people know that when an item is in refute, it is not calculated in your FICO score. The only good news is that I added a TL during the refute.

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That is not entirely true.. Collections and public records never receive different treatment when in dispute. And there are still some items that are factored on normal (non-derog) accounts that are in dispute.

[Anonymous]

Are the lates legit?

[Anonymous]

Depends on the point of view. I was refinancing the house, the old creditor was so slow in getting the payoffs to the new company it TECHNICALLY was late. Short answer- Yes but the extra one is BS

[Anonymous]

Did the old creditor cash the check on time but send the money on late? If so, then I think you have grounds to show it was never late. I'd dispute it as never late.

[Tuscani]

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Noah_Bodie wrote:

Did the old creditor cash the check on time but send the money on late? If so, then I think you have grounds to show it was never late. I'd dispute it as never late.

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Agreed.

OP: Any chance this account is Litton Loan?

[Anonymous]

Option One. First late Jan 01 PIF March 01. When will will this drop off then?

[Anonymous]

Lates stay for 7 years. Should drop in Feb 08.

[Tuscani]

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&thread.id=2689