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sunshinegrlalways wrote:
This was the true FICO off this website..The collection never belong to me. I got it removed after documentation and then a temp fruad alert was placed on the accounts. This is my only collection, which has been deleted. It was reported by a collection agency. They were great, sent me a letter after I sent them a demand verification. They proved that it was someone else and not me. So I am unclear why it went down.
RobertEG wrote:
Sunshine, I suspect that it is because of your dispute. When an account is disputed with a CRA,, it is temporarily removed from your credit scoring until the dispute is resolved. So you lost its account history and its CL in your scoring until the dispute is resolved. That can have a major impact if the account is an old one, or has a hight CL.Dont fret! As soon as the dispute is resolved, it will come back into scoring, and hopefull with beneficial decision in your favor. It is just a bump in the FICO road!