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Established Member
Posts: 51
Registered: ‎01-02-2013

Disputed a couple of wrong lates on a charged off account. Fako dropped 22 points.

I guess I should of done more research before doing stupid things. Had a charged off account that reported zero balance to all three. There were a couple of wrong lates that were reported years after the account was charged off and were hurting my scores. Tried to dispute them with the CA and it caused them to verify and report a balance.  Fako dropped by 22 points. I'm guessing the real FICO scores are gonna have similar loss.


I am angry at myself now. 

Starting FICO scores (08/01/2012): Ex:??? - Eq: 540 - Tu: 543
Current FICO scores (06/02/2015): Ex: 754 - Eq: 762 - Tu: 766
Epic Contributor
Posts: 22,406
Registered: ‎01-17-2008

Re: Disputed a couple of wrong lates on a charged off account. Fako dropped 22 points.

A CA cannot report lates.  If they did that is a violation.  Have you ever sent them a DV letter?

Posts: 14,049
Registered: ‎04-15-2011

Re: Disputed a couple of wrong lates on a charged off account. Fako dropped 22 points.

+1  Are you sure it was the CA that was reporting lates.  As guiness56 stated, that's a NO-NO.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

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