Last month I recieved an Alert thru My Fico my Score drop from 806 to 748. The reason being a 6 yr old collection from Sun Trust bank. I was a victim of fraud many years ago, I contacted Sun Trust and they told me the account was a checking account applied for at a branch in Tennessee, I have never step foot in Tennessee, much less open a bank account.. Two weeks ago I contacted the Big 3, and i did what they said. I filed a police report , filed a FTC Id theft complaint. I sent everything to the Big 3, today I get another update from EQ from My Fico , stating my score has now droped to 678. Because im disputing this False account. So my EQ score has went from 806-678, all over this one account. When this matter is resolved wiil my scores go back to the original scrores before this mess. And nothing else has changed on my reports, I PIF every month and leave a balance between 5-10% on one account. Thanks
CC: Amex Green ( NPSL) Amex BCE ( 38.1 K ) US Bank Sig Cash ( 20K ) Pen Fed (42K) Chase Freedom ( 7.5K) Discover More (22K ) Cap 1 QSilver (10K) Barclays Rewards (9K) Care Credit (5.5k) Sears (12K) JC Pennys (6K) Dell (15K) Key Bank (19k ) Key Bank (16K) FFO (7.5 K) Shell ( 600) OCCU ( 20K ) City TY (10.5K) CSP (17.5k) Regions ( 18K )Simmons (15K) Regions BLOC (125K) Fuel Rewards MC(10K )Amex Hilton ( 23k)
TU ( MFICO 5/11/14) 812 EQ ( MFICO 5/11/14) 790 EX ( MFICO 5/11/14) 805
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+ Take the myFICO Fitness Challenge 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!
June 2017 update: All scores over 820, just pure gardening now.