My Experian report was showing a tax lien while my other two reports weren't. I disputed the lien and it was removed. I thought this would have caused an increase in my score but it actually went down 4 points. How is this possible?
I have 4 paid off accounts that have 6 late payments that are 4.5 years old (last late payment was Jan 2012) and 5 cc that have been charged off. Four of them have a balance and the other one has been paid off. Would it help if I could get the cc company to settle and pay the balances owed? Hopewfully they would agree to remove them from my credit report. Lastly, will calling the cc companies and asking about the accounts cause my score to drop?
Starting Score: TU 573 Exp 523 Lender Pull, Eq 583