Reply
New Contributor
Posts: 107
Registered: ‎07-22-2011
0

Cap One reinvestigation drops my score by 32 points?

[ Edited ]

Two days ago I sent in a request to have my charges reinvestigated. They sent me some invoices that didn't match up to what was listed on my credit report, so I went to the credit bureau sites and sumbitted a form to have them looked at again. 

 

And today I got a ScoreWatch notification that my score had dropped 32 points. 

 

 

What on earth happened? The only thing that changed was "Consumer disputes - reinvestigation in process"!

 



Starting Score: TU - 580 (7/22/11) ..... EQ: 561 (7/22/11)
Current Score: TU - 622 (10/24/13) ...... EQ: 656 (3/26/14) ...... EXP: 620 (3/26/14)
Goal Score: 700 by 12/31/14


Take the myFICO Fitness Challenge
Highlighted
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Re: Cap One reinvestigation drops my score by 32 points?

Was anything else disputed?

 

What's your CL on that CapOne?

New Contributor
Posts: 107
Registered: ‎07-22-2011
0

Re: Cap One reinvestigation drops my score by 32 points?

Other items, but not Capital One. Just some items I didn't recognize that were listed as collections. Capital one is one I've been paying close attention to since it's listed as a charge off and therefore has been killing my utilization percentages for the last six years.

 

The original CL was $300. 



Starting Score: TU - 580 (7/22/11) ..... EQ: 561 (7/22/11)
Current Score: TU - 622 (10/24/13) ...... EQ: 656 (3/26/14) ...... EXP: 620 (3/26/14)
Goal Score: 700 by 12/31/14


Take the myFICO Fitness Challenge
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 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.

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.