cancel
Showing results for 
Search instead for 
Did you mean: 

advice please! score drop 26pts -- 2nd UPDATE!

tag
Anonymous
Not applicable

Re: advice please! score drop 26pts --UPDATE!


@elim wrote:

@JcT21 wrote:

ahh... disputes.   not that its anything major, but i did dispute a few things.  i got my letter a few weeks ago regarding my dispute of an old telephone number and a misspelling of the street name of my address.   that was corrected, but that was roughly 3 weeks ago.   do you think those changes could have played a role in this whole thing?

 

ill continue to monitor my report/scores and see what happens a about a week or so when my cap1 reports a tank of gas. 

 

i appreciate all the help from each and every one of you!    if you guys continue to have any thoughts, please share :-)


   disputes on Personal Information won't affect your scores.


What PI do you dispute? Is that sort of a shady way to beat the system to avoid cost of purchasing it?

 

I did notice that my middle initial on TU is "L" instead of "A" however it appears I have to contact them directly for that PI correction and doubt it would be a legit reason to get a free report.

Message 21 of 23
JcT21
Frequent Contributor

Re: advice please! score drop 26pts -- 2nd UPDATE!

update 6-26

 

seems that $31 tank of gas has reported and just like that, my score rebounds 30 points.  a 4 point gain from the 26 loss, just for letting $31 report.   my TU and EQ stayed the same.  glad my experian jumped back to normal.  

 

lesson learned.  always let something report, paying off to 0 balance / 0% utilization will drop the score.  atleast in my case.

fico scores - March 2024:
TU - 727 | EX - 732 | EQ - 736 |
TCL - 168K - UTIL - less than 1%
Message 22 of 23
NRB525
Super Contributor

Re: advice please! score drop 26pts -- 2nd UPDATE!

Congratulations! Good to hear things are back and better.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 23 of 23
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.