The Home Depot/CITI acct. PIF results in 29 point drop to EQ score!!!

[Ned505]

OK, My Home Depot CC went bad in 2008 and I fell behind.  Lost income for eight months.  After not paying anything I negotiated a reduced rate and agreed to pay $104 / month until PIF.  I did that.  In February with funds from my tax return I paid it off.  Zero balance.  I then at back and waited for the bump in the score.  Well to my shock I got an alert grom EQ here on myfico.com and to my dismay they changed the reporting status.

They changed it from Paying as agreed -to- At least more than 120 days past due and than four payments past due.  !!

It took me down by 29 points. 

Those missed payment were in 2007 and early 2008.  But my score had been inching up all through that time as I "scrubbed" and "cleaned" my reports. 

Would they change that status as a result of completing the payment plan and Paying In Full?

I filed on-line disputes with all three (TU, EQ and EX) and I called the CITI and sent a dispute letter with them. 

There are no other accounts that could have had such a large negative impact.  And it was very clear that the status cheange was the result. 

This is very frustrating.

Any thoughts?

[honky]

That stinks.  Id be pretty upset.  Hopefully someone has some good advice and you can recover some of that

[Lois5669]

I wish you had asked before diputing. I would say to GW them. Since you paid in full, they might be open to removing the late pays. However, disputing is probably not going to put them in a loveable mood. I'd still give it a shot. And, maybe it give it a month or so and GW again. ..and again...til they do or it falls off.