Morning, I had an old Verizon account that I paid off in 2013 for less than the reported amount. It was marked down as paid. It was still listing as a collection account (or at least I thought I did) so I filed a dispute. After looking at it again, it was listed as paid, but I misread my credit report. Today, I got an update email from myFico. That paid account just dinged me for 22 points on my Equifax report. Is that right? I'm getting dinged again? Did I screw up in disputing?
I'm trying to clean up my report and get my scores higher so I can qualify for an USDA Mortgage Loan. I was close, but with a 22 point ding, I don't think I qualify now.
Thanks in advance,
S.Young
