Credit Cards Center Credit cards from our partners
Frequent Contributor
Posts: 491
Registered: ‎05-23-2007

Disputed 7 items on my EQ CR and score dropped 17 points

It is common for my Score to drop 17 points just from disputing items on my report??
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007

Re: Disputed 7 items on my EQ CR and score dropped 17 points

Established Contributor
Posts: 565
Registered: ‎06-11-2007

Re: Disputed 7 items on my EQ CR and score dropped 17 points

I was told yesterday by one of my creditors, that if you dispute a charge and they don't respond, then negatives (or what you are disputing) will automatically drop off. Then again, they might find negative info they weren't reporting before, and if they do then your score will drop
Posts: 89
Registered: ‎06-09-2007

Re: Disputed 7 items on my EQ CR and score dropped 17 points

Disputing negatives also updates the activity date in your report for this account.  Therefore, if you dispute a four year old negative and they leave it as is, the activity date will now show it as a new negative and your score will drop.  This happened to me when I disputed a Macy's acct.  Two CRA's removed the negative but the third, Transunion simply updated the activity date.  My score dropped with them because of this.

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.

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.