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How long ago did you dispute? It says it is in dispute by the consumer.
When you dispute an OC account certain aspects of the account are removed from scoring, CL, balance and payment history. If it has not been resolved that is probably why you see a bump in score and the items missing.
It should say something like was in dispute, but resolved.
The CRAs are bad about not removing those comments. You will probably need to contact them and tell them the dispute has been resolved.
Don't know what will happen with your score when they do remove them because I don't know when they changed to reflect what they have now. Could be the OC just removed the items after notified of the dispute.
First, I dont see a basis for disputing. A dispute requries an assertion of some inaccuracy in reporting, and sufficient docmentation to permit the creditor to investigate an asserted inaccuracy. A dispute without such showing can be dismissed without any investigation.
Second, if no collection or charge-off is now reporting, then the only issue appears to be their reporting that they have referred to debt collector.
Do you have evidence that they have not done so, which is purely their own inernal business to which a consumer rarely would have evidence that they have not done so.
If no CO or monthly delinquencies are reporting, I am unsure of what you would dispute.
As for expectation that the account itself will be deleted at some point in time, exclusion of adverse items does not result in deltion of the enfire OC account.
OC account deletion would occur only if the OC reported its deletion, of after the account had been closed for approx ten years.
@RobertEG wrote:First, I dont see a basis for disputing. A dispute requries an assertion of some inaccuracy in reporting, and sufficient docmentation to permit the creditor to investigate an asserted inaccuracy. A dispute without such showing can be dismissed without any investigation.
Second, if no collection or charge-off is now reporting, then the only issue appears to be their reporting that they have referred to debt collector.
Do you have evidence that they have not done so, which is purely their own inernal business to which a consumer rarely would have evidence that they have not done so.
If no CO or monthly delinquencies are reporting, I am unsure of what you would dispute.
As for expectation that the account itself will be deleted at some point in time, exclusion of adverse items does not result in deltion of the enfire OC account.
OC account deletion would occur only if the OC reported its deletion, of after the account had been closed for approx ten years.
It has already been disputed. The very first post said it was done due to different DoFDs being reported. The way it is now showing is after the dispute.