When I was shopping for a mortgage, a bogus CA showed up and dropped my EX FICO from 690 (on Oct 29) to 669 on Nov 29. I discovered it when the Broker gave me a copy of my report on Dec 13. I found these forums about a week later and starting pouring through the threads. Thank you, thank you, thank you.
Anyway, here is where it gets interesting...On Dec 24, I called EX and disputed the item over the phone. The rep was the absolute worst person on earth (you know, spawn of Satan and all). I then found a thread that talked about DV'ing, so I DV'd the CA on Dec. 29. Yesterday, I bought my EX & TU CRs from myFICO and discovered that the item was gone from both. I was skeptical.
Today, I got my dispute results back from EX and the CA has disappeared. It's gone. However, score increases were negligible.
I am extremely happy though, because the garbage is gone. 
Thank you for all of the help. What will the CA do when they get the DV?
Anyway, here is where it gets interesting...On Dec 24, I called EX and disputed the item over the phone. The rep was the absolute worst person on earth (you know, spawn of Satan and all). I then found a thread that talked about DV'ing, so I DV'd the CA on Dec. 29. Yesterday, I bought my EX & TU CRs from myFICO and discovered that the item was gone from both. I was skeptical.
Today, I got my dispute results back from EX and the CA has disappeared. It's gone. However, score increases were negligible.
I am extremely happy though, because the garbage is gone. Thank you for all of the help. What will the CA do when they get the DV?
Starting Score: 469
They will use it for TP as they can not re-insert without certifying it and EX notifying you in writing within 5 days.
I have found a delay between a delete/change and the fico fully making the score change- sometimes 3 days-
ByrdMan wrote:
When I was shopping for a mortgage, a bogus CA showed up and dropped my EX FICO from 690 (on Oct 29) to 669 on Nov 29. I discovered it when the Broker gave me a copy of my report on Dec 13. I found these forums about a week later and starting pouring through the threads. Thank you, thank you, thank you.
Anyway, here is where it gets interesting...On Dec 24, I called EX and disputed the item over the phone. The rep was the absolute worst person on earth (you know, spawn of Satan and all). I then found a thread that talked about DV'ing, so I DV'd the CA on Dec. 29. Yesterday, I bought my EX & TU CRs from myFICO and discovered that the item was gone from both. I was skeptical.
Today, I got my dispute results back from EX and the CA has disappeared. It's gone. However, score increases were negligible.
Thank you for all of the help. What will the CA do when they get the DV?
Congratulation hopefully 2008 will be the best year for all of us . 
