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Correct me if im wrong please....

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teamgray
Contributor

Correct me if im wrong please....

The following is reporting on my FICO file (equifax)   my score went up 13 points when they changed the status, but i think that It will, or should drop from my report nov 2013..is this correct FICO Fam??

 

 

1 of your accounts reported changes
ANDERSON FIN NETWORK/BLOOM
(XXXXXX8851)
Account opened: 1/2012
Description: Consumer disputes this account information
Collection account
 Previously reportedNewly reported
Balance:$152 
Past due:$152$152
Status:Bad Debt; Placed for collection;At least 120 days or more than four payments past due
Last activity:11/1/200611/1/2006
Description:Consumer disputes - reinvestigation in process
Amount in high credit is original charge-off amount
Consumer disputes this account information
Collection account
Contact: ANDERSON FIN NETWORK/BLOOM, 404 Brock Dr, PO Box 3097, Bloomington, IL, 617023097

Starting Score: 612 EQ 6-1-2013
Current Score: 12-26-13 656 EQ(FICO) 608 TU(FAKO) 632(FICO) EX
Goal Score: 700 FICO on all three by 7/1

"The Struggle is real"
Take the myFICO Fitness Challenge



Message 1 of 12
11 REPLIES 11
guiness56
Epic Contributor

Re: Correct me if im wrong please....

Can't tell by what it is showing when it will be removed.

 

Is this an OC account?  If so, they removed the balance from scoring during the dispute.

Message 2 of 12
DaBears
Senior Contributor

Re: Correct me if im wrong please....

That looks like a CA in bloomington, IL which i 3 hrs south of Chicago. +1 guiness thats why the OP had a score bump.

Message 3 of 12
guiness56
Epic Contributor

Re: Correct me if im wrong please....

Shouldn't be a bump if it is a CA.  Unless it is reporting under accounts then it could happen.

 

ETA:  It is a CA Anderson Financial Network, Inc.  Better known as AFNI.

Message 4 of 12
DaBears
Senior Contributor

Re: Correct me if im wrong please....


@guiness56 wrote:

Shouldn't be a bump if it is a CA.  Unless it is reporting under accounts then it could happen.

 

ETA:  It is a CA Anderson Financial Network, Inc.  Better known as AFNI.


Yea I just googled them lol

Message 5 of 12
guiness56
Epic Contributor

Re: Correct me if im wrong please....

Message 6 of 12
teamgray
Contributor

Re: Correct me if im wrong please....


@DaBears wrote:

That looks like a CA in bloomington, IL which i 3 hrs south of Chicago. +1 guiness thats why the OP had a score bump.


Last activity was 11/2006, does that mean it will drop off 12/2013 ?


Starting Score: 612 EQ 6-1-2013
Current Score: 12-26-13 656 EQ(FICO) 608 TU(FAKO) 632(FICO) EX
Goal Score: 700 FICO on all three by 7/1

"The Struggle is real"
Take the myFICO Fitness Challenge



Message 7 of 12
Shokk
Established Contributor

Re: Correct me if im wrong please....


@teamgray wrote:

@DaBears wrote:

That looks like a CA in bloomington, IL which i 3 hrs south of Chicago. +1 guiness thats why the OP had a score bump.


Last activity was 11/2006, does that mean it will drop off 12/2013 ?


That depends.  The max it can be is 7 years + 180 days.  Texas is 7 years, period, so it can vary.  Most everything is the 7 year mark.  A BK can of course stay for 10.

I don't know my start scores, but low 500s. 6/2013

2/19/15
EQ FAKO - 638
EX FICO - 665
TU FICO - 697
Message 8 of 12
teamgray
Contributor

Re: Correct me if im wrong please....


@Shokk wrote:

@teamgray wrote:

@DaBears wrote:

That looks like a CA in bloomington, IL which i 3 hrs south of Chicago. +1 guiness thats why the OP had a score bump.


Last activity was 11/2006, does that mean it will drop off 12/2013 ?


That depends.  The max it can be is 7 years + 180 days.  Texas is 7 years, period, so it can vary.  Most everything is the 7 year mark.  A BK can of course stay for 10.


Im in California, so Im sure that if it shows in December, i should be able to contact them to remove it......i think my score will drop tho if its removed.....although its a negative account, its aged and actually helps my score....what are your thoughts


Starting Score: 612 EQ 6-1-2013
Current Score: 12-26-13 656 EQ(FICO) 608 TU(FAKO) 632(FICO) EX
Goal Score: 700 FICO on all three by 7/1

"The Struggle is real"
Take the myFICO Fitness Challenge



Message 9 of 12
teamgray
Contributor

Re: Correct me if im wrong please....


@DaBears wrote:

@guiness56 wrote:

Shouldn't be a bump if it is a CA.  Unless it is reporting under accounts then it could happen.

 

ETA:  It is a CA Anderson Financial Network, Inc.  Better known as AFNI.


Yea I just googled them lol


yeah its them....but the date shows 11/2006 as last activity, does that mean its gonna drop 12/2013?


Starting Score: 612 EQ 6-1-2013
Current Score: 12-26-13 656 EQ(FICO) 608 TU(FAKO) 632(FICO) EX
Goal Score: 700 FICO on all three by 7/1

"The Struggle is real"
Take the myFICO Fitness Challenge



Message 10 of 12
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