Credit Cards Center Credit cards from our partners
New Member
Posts: 2
Registered: ‎12-06-2012

rebuilding and confused... dispute questions...

I disputed a few items on my credit report and this is what it said


>>> We have researched the credit account. Account # - 512607000****** The results are: This item has been
deleted from the credit file. If you have additional questions about this item please contact: ICUL Service
Corporation, 1807 W Diehl Rd, Naperville IL 60563-1890 Phone: (630) 983-3495


>>> We have researched the credit account. Account # - 2211******* The results are: The prior paying history has been deleted from this account. If you have
additional questions about this item please contact: Metabank/Uvx, PO Box 71402, Salt Lake City UT 84171-0402 Phone: (877) 889-5085


We have researched the credit account. Account # - 461007873590* The results are: This creditor is currently reporting a zero balance for this account.
This creditor has verified to OUR company that the current status is being reported correctly. The prior paying history on this account has been updated. Additional
information has been provided from the original source regarding this item. If you have additional questions about this item please contact: First Premier,...


But there is no alerts for myfico,privacy guard, or No changes has been made? I need to get to 640 fast! Found our home and need to have score to close... But credit places taking forever to uodate. Transunion hasn't even delete any of my PIF!!!!! 

Community Leader
Epic Contributor
Posts: 28,969
Registered: ‎03-19-2007

Re: rebuilding and confused... dispute questions...

[ Edited ]

Once a dispute is resolved, the furnisher is required to promptly file any corrections or deletion of the disputed information required as an outcome of the dispute.

FCRA 623(a)(2) and (b).  That requirement extends to all CRAs to which the disputed info has been reported.


I would send them a letter reminding them of their statutory obligation to update/delete consistent with their dispute finding.


Moderator Emeritus
Posts: 14,122
Registered: ‎04-15-2011

Re: rebuilding and confused... dispute questions...

It depends on what else is on your CR as to whether there will be an increase or not.  

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.
New Member
Posts: 2
Registered: ‎12-06-2012

Re: rebuilding and confused... dispute questions...

Ok, well they just updated but now I am 632... 8 more points.... I need it fast! How?

Valued Contributor
Posts: 1,054
Registered: ‎09-16-2012

Re: rebuilding and confused... dispute questions...

lyndav - I'm not a credit professional like alot of folks on here, but I'd start off by telling everybody what your credit looks like before any advice can be given to you? We need to know the good, the bad, the ugly, the utilzation %, AAoA, etc....



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.