I seriously HATE credit!

[Anonymous]

so my dispute with transuin ended and I felt it went great. Had my only two judgements removed and 4 other adverse accounts. so I get my FICO change notification today and my score DROPS 15 points?! Can anyone tell me what I am doing wrong?

[GoldSorata]

That's great you are getting some negative items removed. What baddies do you have left? Can you elaborate on your current credit profile and what your utilization is?

[kjel]

In general while rebuilding scores go up and go down. You may have been rebucketed due to the derogatory TLs being deleted. This happened to me several times along the way rebuilding from 514 to 700+. 

[RobertEG]

What is the status of each dispute?  Have all been updated to show the dispute is concluded, and the pending dispute flag removed?

[Anonymous]

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@Anonymous wrote:

so my dispute with transuin ended and I felt it went great. Had my only two judgements removed and 4 other adverse accounts. so I get my FICO change notification today and my score DROPS 15 points?! Can anyone tell me what I am doing wrong?

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If the adverse accounts were pretty old, it probably reduced your AAoA. In the long run, cleaner is always better. Do you have adequate current credit accounts established and growing?

[ddemari]

That is a hard hit always when the negatives go away and your score drops. I had this happen when I sucessfully had to charge-offs removed by dispute with Experian, TransUnion and Equifax. My AAOA account dropped signifigantly and I was like what!!! how can this be! but within 6 months I started to see an increase consistently with my fico score. 

[J91605]

Congrats on the removals!!! Sometimes it seems like a rollercoaster ride. Just remember the ride always ends on level ground.