04-17-2007 04:45 PM
04-17-2007 04:56 PM
ASAP2 wrote:Me being impatient, decided to dispute an installment account so it could show my balance being halve way paid for. Instead of updating the balance, Those pricks at Transunion deleted the account which has always been in good standing and had aged to 10 months. I noticed my score dropped 60 point's. What should I do?You should have started with the creditor and had them update it. When you enter a disoute and the creditor doesn't respond the account is deleted from your report. Ask the creditor to rereport the acount wit its current payment history. There are some things that aren't worth disputing.
04-17-2007 11:12 PM
It should reappear when they update. Disputing accounts just to get the balance to update is abuse of the system.
04-18-2007 09:48 PM
04-20-2007 07:24 PM
rosychild wrote:I have a bigger problem than that-so, this should make you feel better--- my company's laptops were stolen. We all received a notice (2 months later) that this happened, and our identity was being compromised-their advise was to CLOSE all your ACCOUNTS--and open NEW ONES !!!! Of course, I did do that-MY credit score was REDUCED 116 points-because of this !!! My problem has JUST begun!!! Try to straighten this MESS out !!!! The whole credit score thing is a bunch of bull-but we have to go by their rules !!!!!!!! It's RIDICULOUS!!!!!!!!!!
04-21-2007 08:38 AM
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.
* 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.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com 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.