Dispute score dropped from 670 to 628

[aot2009]

Account is now removed and I'm now at a 675 YAY for 5 points.

Tranunion is 728

[Scenerio]

Thanks for posting your outcome! People don't always do this, but it's very helpful. 

I just disputed 5 items and my account dropped by 30 points, I am awaiting the results. Some of them are clearly incorrect. 

[jcolli5]

Yeah I'm in the same boat.  Disputed two old items on my credit report.  Equifax score went down from a 678 to a 615!  WTH. It lowered 30 points the first month I disputed the items.  And whats really annoying is the item being disputed came back with a result saying it would be deleted.  I waited a week or so and it was still there.  I call Equifax and they say "we're not sure why it says the item will be deleted maybe that was a mistake"  huh?  So I dispute it again for different reasons this time.  I also contact the company that made the negative remarks and dispute it with them.  Score drops again.  My Fico score, Transunion and Experian scores stayed the same (678-705) - Hoping all works out in a month or so.  I will post the outcome.

[aot2009]

If it came back as deleted keep the letter and file suit against them. They have 5 days to notify you in writing if they put it back on your report.

Every time you dispute something it drops the score.

[kcFlorida]

Personally, I think FICO scoring is total BS.  I'm an AT&T employee, and opened an account for AT&T services at my new address.  Score dropped 3 points because it was viewed as an application for credit.  A utility bill sure as heck isn't credit in my view.

[llecs]

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@kcFlorida wrote:

Personally, I think FICO scoring is total BS.  I'm an AT&T employee, and opened an account for AT&T services at my new address.  Score dropped 3 points because it was viewed as an application for credit.  A utility bill sure as heck isn't credit in my view.

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I think it boils down to whether or not AT&T needs to pull your credit before offering a phone. IMO, I think they should because they are taking a financial risk in the 30 days leading up to the first bill as well as the phone costs, but I'm sure others would disagree with their policy.