Credit Card Center Advertiser Disclosure

New Member
Posts: 2
Registered: ‎02-01-2013
0 Kudos

disputing student loans score dropped

hello..i had duplicate student loans on my experian credit report..i disputed them yesterday and today my credit score dropped 30 points! i have 20k in student loans and experian was reporting this a temp thing or a glimpse of whats to come??thanks for your time

New Member
Posts: 4
Registered: ‎06-25-2012
0 Kudos

Re: disputing student loans score dropped

Same thing happend to me but with Equifax. I reported to the Consumer Financial Protection Bureau and all my loans were removed i gained like 15 points at first. then they put back some of my loans the closed ones and  I lost 2 points. Have no idea if they will add the other 2 back I need the tradelines to get a fha loan, it has only been over 45days.

Valued Member
Posts: 39
Registered: ‎01-26-2013
0 Kudos

Re: disputing student loans score dropped

[ Edited ]

oh no! i have a similar issue! i have a student loan showing it's in collections still but it was closed out over two years ago. i was able to get a letter from D of Ed to say it was a closed account... am trying to get them to delete... but i sent the letter saying the account was closed to the reporting bureaus. so far i've seen one report drop 1 point saying the line is in dispute.


i can't not afford a drop that big! eek!


can you share how you went about disputing via the CFPB?

06/2013 -- TU 690 - EX 674 - EQ 673
03/2013 -- TU 638 - EX 685 - EQ 654
01/2013 -- TU 607 - EX 573 - EQ 597

GOAL -- All Above 700... I'll get there soon enough!
Moderator Emeritus
Posts: 14,122
Registered: ‎04-15-2011
0 Kudos

Re: disputing student loans score dropped

While in dispute there are certain aspects of an OC's TL that are excluded.  One is being the AAoA which is the likely culprit of your drop.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.