Disputed the 3 CRAs and of course score dropped but...

[creditdrsuesse]

i disputed the big 3 over a charge off account that is incorrect.  Is it true that if they update or change the TL that i cannot get it deleted completly just updated?  also not sure why my score dropped on a closed charged off account.  since closed does it affect my AAoA 30 points worth?  anyways the reason I disputed was bc i contacted executive esclationdept and they havent responded with the info requested in 3 weeks bc they couldnt get it from ge..the company who took over their credit during the time of my credit issue.  so i tried to contact the OC to get it resolved but they cant get the information from the ge..So with that i figured they didnt have their paperwork ogether and a good chance they wouldnt respond to the 3 CRA in the 30 day time frame and it would be hopefully deleted....

im not sure how it works...should I just wait and let this play out? or try and contact GE directky? I wouldnmt weant them to get their paperwork in order in time for the CRA disputes.  what advice are you guys giving on what to do now?

Ive read not to dispute the big 3 CRA even if your in the right which i am.. but this is 3 years old and over a $15 charge off... with tons of 120 day lates etc and the charge of. the CA they sold it to i had deleted.  

I also noticed that complaining on the BBB has had great results for people but should I wait until the 30 days plays out with the disputes? or try the BBB in the mean time?  this is the last thing on my CR in my way and killing my CR all over $15.

pleeeease help and let me know if the disputes were a good move or bad, and im guessing my score will go back up 20 points when resolved if it is verified?  freaking Ppal and GE.

[Shogun]

Since you have already filed the dispute, let it run its course before you do anything.  

[creditdrsuesse]

Ok thks shogun. After the investigation will my score return to where it was I verified. And then even higher if deleted? Te charge off is going to be 2 years old next month I thought I read a CO impacts your score less after 2 years. Is that true or is there a 2 year mark? Also was the dispute a good move or not? After no luck with executive team from pp getting docs from ge. I already ha the ca deleted for this incident so not really sure which way is up right now. Thanks for taking the time though. I am 12 points from qualifying for my fha

[Shogun]

Since it was an OC account, the dispute has removed certain aspects fromt the TL that caused your score to drop.  Once the dispute has eneded, it should go back up.  And yes, if it's removed, then it should go up, depending on what's on your file.

As a baddie ages, yes, it does impact less, but major derogs, such as a CO continue to affect your scores until they are removed.

[creditdrsuesse]

Experian updated my dispute so no luck deleting it.   ut they changed some things around  ill post the pre pull credit report and then post their updated report to show you guys their updated version.  not sure what they did.

[creditdrsuesse]

Status: Closed.    $141written  off.

 Date Opened:

10/2006

Reported Since:

10/2006

Date of Status:

04/2013

Last Reported:

04/2013
Creditor's Statement: Purchased by another lender.

Payment History:

Type:

Credit card

Terms:

NA

Monthly Payment:

$0

Responsibility:

Credit Limit/Original Amount:

$1,200

High Balance:

$739

Recent Balance:

$0 as of 04/2013

Recent Payment:

$25 

Account History:

Charge Off as of Apr 2012 to Mar 2013 150 days past due as of Mar 2012
120 days past due as of Feb 2012
90 days past due as of Jan 2012

60 days past due as of Dec 2011 30 days past due as of Nov 2011

Balance History ­ The following data will appear in the following format:
account balance / date payment received / scheduled payment amount / actual amount paid Mar 2013: $141 / September 20, 2011 / no data / $25
Feb 2013: $141 / September 20, 2011 / no data / $25
Jan 2013: $141 / September 20, 2011 / no data / $25
Dec 2012: $141 / September 20, 2011 / no data / $25
Nov 2012: $141 / September 20, 2011 / no data / $25
Oct 2012: $141 / September 20, 2011 / no data / $25
Sep 2012: $141 / September 20, 2011 / no data / $25
Aug 2012: $141 / September 20, 2011 / no data / $25
Jul 2012: $141 / September 20, 2011 / no data / $25
Jun 2012: $141 / September 20, 2011 / no data / $25
May 2012: $141 / September 20, 2011 / no data / $25
Apr 2012: $141 / September 21, 2011 / no data / no data
Mar 2012: $141 / September 21, 2011 / $3 / no data
Feb 2012: $138 / September 21, 2011 / $3 / no data
Jan 2012: $135 / September 21, 2011 / $37 / no data
Dec 2011: $97 / September 21, 2011 / $36 / no data
Nov 2011: $61 / September 21, 2011 / $31 / no data
Oct 2011: $30 / September 21, 2011 / $15 / no data
Sep 2011: $14 / September 21, 2011 / $14 / $25
Aug 2011: $38 / August 21, 2011 / $25 / $15
Jul 2011: $52 / July 24, 2011 / $12 / $610
Jun 2011: $739 / August 20, 2010 / $31 / no data

Between Jun 2011 and Mar 2013, your credit limit/high balance was $1,200 

[creditdrsuesse]

Status:  Closed. $141 written off.
Date Opened:  10/2006 Date of Status:  03/2013 Reported Since:  10/2006 Last Reported Date:  03/2013	Type:  Credit card Terms:  N/A  Monthly Payment:  $0 Responsibility:  Individual	Credit Limit:  N/A High Balance:  $739  Recent Balance:  $0 Recent Payment:  $25
Creditor's Statement:  Purchased by another lender.
Account History:  Charge Off as of May 2012 to Feb 2013  150 days past due as of Apr 2012  120 days past due as of Mar 2012  90 days past due as of Feb 2012  60 days past due as of Jan 2012  30 days past due as of Dec 2011
Balance History - The following data will appear in the following format: account balance / date payment received / scheduled payment amount / actual amount paid Mar 2013: $141 / September 20, 2011 / no data / $25  Feb 2013: $141 / September 20, 2011 / no data / $25  Jan 2013: $141 / September 20, 2011 / no data / $25  Dec 2012: $141 / September 20, 2011 / no data / $25  Nov 2012: $141 / September 20, 2011 / no data / $25  Oct 2012: $141 / September 20, 2011 / no data / $25  Sep 2012: $141 / September 20, 2011 / no data / $25  Aug 2012: $141 / September 20, 2011 / no data / $25  Jul 2012: $141 / September 20, 2011 / no data / $25  Jun 2012: $141 / September 20, 2011 / no data / $25  May 2012: $141 / September 20, 2011 / no data / $25  Apr 2012: $141 / September 21, 2011 / no data / no data  Mar 2012: $141 / September 21, 2011 / $3 / no data  Feb 2012: $138 / September 21, 2011 / $3 / no data  Jan 2012: $135 / September 21, 2011 / $37 / no data  Dec 2011: $97 / September 21, 2011 / $36 / no data  Nov 2011: $61 / September 21, 2011 / $31 / no data  Oct 2011: $30 / September 21, 2011 / $15 / no data
Limit High Balance History:  Between Oct 2011 and Mar 2013, your credit limit/high balance was $1,200

[creditdrsuesse]

sorry for the format issues... but there is the before and after.  so the result of 1 dispute of 3 is they updated.  before the dispute it shjowed 1st date of delinquincy as 10/2011 it appears they updated it and showed the first date as november.  My last payment was $25 on sept 21st.   and wasnt for full amount apparently.   so i am confused as to why they updated it as they did. they also closed the account a month earlier according to the comparing both reports.   does this count as re aging it? 

the fact of the matter is i need to know why they changed it. obviously i was going for delete bc they signed me up for smart connect without my approval and that website showed zero balance or i would of paid the $14.  but seems their book keeping is off

what should be my next plan of attack?  they obviously got the dates wrong bc i have the email confirmation of my last payment,  the numbers reported just dont make sense. GE took over for paypal around that time period maybe they dont have all the information they need.   ANY HELP IS WELCOMED do I have them for re aging?

[creditdrsuesse]

also notice on their updated report they only start reporting on oct 2011 on the new updated report... while the old report  starts in June 2011.  why did tthey leave that out. it seems the numbers in the 1st report show i have a credit and dont add up.  was this when ge took over for paypal or did they not have all their documents so they didnt report it?  it shows on the monthly  graph with the ok below it (i just couldnt copy and paste that part) if that makes sense

[creditdrsuesse]

as i noted they left of june 2011 to current.  as june is when smart connect or the other credit arm began at paypal. before that date it was paypal buywer credit which was what i applied for. never smart connect. and I never got an email about smart connect etc. I find it convenient how they left out the 1st 3 months of smart connect on their "updated" CR they submitted to experian. here ill copy and paste so easier to see  NOTICE THE LINE ITEM IN RED THEY DIDNT DECIDE TO KEEP ON THEIR REPORT.  JUNE was THE !ST MONTH OF SMART CONNECT SO IN ESSENCE PAYPAL HAD 2 CREDIT ARMS COMBINED FOR A CERTAIN PERIOD

before dispute

account balance / date payment received / scheduled payment amount / actual amount paid Mar 2013: $141 / September 20, 2011 / no data / $25
Feb 2013: $141 / September 20, 2011 / no data / $25
Jan 2013: $141 / September 20, 2011 / no data / $25
Dec 2012: $141 / September 20, 2011 / no data / $25
Nov 2012: $141 / September 20, 2011 / no data / $25
Oct 2012: $141 / September 20, 2011 / no data / $25
Sep 2012: $141 / September 20, 2011 / no data / $25
Aug 2012: $141 / September 20, 2011 / no data / $25
Jul 2012: $141 / September 20, 2011 / no data / $25
Jun 2012: $141 / September 20, 2011 / no data / $25
May 2012: $141 / September 20, 2011 / no data / $25
Apr 2012: $141 / September 21, 2011 / no data / no data
Mar 2012: $141 / September 21, 2011 / $3 / no data
Feb 2012: $138 / September 21, 2011 / $3 / no data
Jan 2012: $135 / September 21, 2011 / $37 / no data
Dec 2011: $97 / September 21, 2011 / $36 / no data
Nov 2011: $61 / September 21, 2011 / $31 / no data
Oct 2011: $30 / September 21, 2011 / $15 / no data
Sep 2011: $14 / September 21, 2011 / $14 / $25
Aug 2011: $38 / August 21, 2011 / $25 / $15
Jul 2011: $52 / July 24, 2011 / $12 / $610
Jun 2011: $739 / August 20, 2010 / $31 / no data 

After dispute and what was submitted to experian

account balance / date payment received / scheduled payment amount / actual amount paid Mar 2013: $141 / September 20, 2011 / no data / $25  Feb 2013: $141 / September 20, 2011 / no data / $25  Jan 2013: $141 / September 20, 2011 / no data / $25  Dec 2012: $141 / September 20, 2011 / no data / $25  Nov 2012: $141 / September 20, 2011 / no data / $25  Oct 2012: $141 / September 20, 2011 / no data / $25  Sep 2012: $141 / September 20, 2011 / no data / $25  Aug 2012: $141 / September 20, 2011 / no data / $25  Jul 2012: $141 / September 20, 2011 / no data / $25  Jun 2012: $141 / September 20, 2011 / no data / $25  May 2012: $141 / September 20, 2011 / no data / $25  Apr 2012: $141 / September 21, 2011 / no data / no data  Mar 2012: $141 / September 21, 2011 / $3 / no data  Feb 2012: $138 / September 21, 2011 / $3 / no data  Jan 2012: $135 / September 21, 2011 / $37 / no data  Dec 2011: $97 / September 21, 2011 / $36 / no data  Nov 2011: $61 / September 21, 2011 / $31 / no data  Oct 2011: $30 / September 21, 2011 / $15 / no data