Help Needed Urgently!!!

[koky]

Please help, Please help... Just got a SW alert, my score dropped from 699 to 619... Please help please help... Doing everything right just can't understand why this is happening... They say I might have missed a payment, but I haven't missed a payemeny in about 10 months... What could the problem be...

[DaBears]

That's an 80 point drop. No way in hell a 30 day late will cause a drop that big. Anything else being listed on your credit report?

[DaBears]

That's an 80 point drop. No way in hell a 30 day late will cause a drop that big. Anything else being listed on your credit report?

[koky]

No Professor... Nothing... I haven't missed a payment in 10 months... I don't know what's wrong... Just got of the phone with FICO and what they said was because I disputed an account and it came back verified that's why I got a score drop of 80 points... I doubt if that's the reason...

[koky]

Any help???

[DaBears]

Was it a C/O account from the OC? if it was that could cause the 80 point drop. A collection won't cause a drop at all or any.

[guiness56]

I would call the CRA directly and ask them.

If you disputed a collection account that has been dormant for a while and it came back verified with a current date it would drop your score.

[koky]

Yes it was a paid Charged off... Which was paid and closed in the month of Jan... So I don't know how, disputing a charged off account can drop 80 points off my score...

[guiness56]

I don't either.  Even if removed your AAoA would not have dropped that much.

I would call the CRA and talk to them.

[koky]

@ Guiness what should I tell them??? Cause am still in Suprised mode...