Reply
New Member
Posts: 11
Registered: ‎09-25-2012
0

score goes up and down

I just had a huge drop in my score. I had a delinquent on my report from two years ago. Somone had a card in my name. So I oaid and closed it out. I had a huge jump from 620-707. Now it went from 707-615. Will it eventually go back up huge? Its the only negative item on my report.
Valued Contributor
Posts: 3,302
Registered: ‎06-09-2010
0

Re: score goes up and down

Just because you paid the debt does not remove the negative indicator.

While you say your score increased I can not determine why unless you disputed the account.

In my opinion you will not see a huge increase unless you can get the negative item removed from your reports.
Good Luck
May all your dreams and wishes become a reality!
New Member
Posts: 11
Registered: ‎09-25-2012
0

Re: score goes up and down

Yes I disputed the account and it went up now it showing back up again and it decrease. Im still sending out letters hpoing they remove it permanently. But it seems like it not working. Been sending letters for a year now
Valued Contributor
Posts: 3,302
Registered: ‎06-09-2010
0

Re: score goes up and down

There is no guarantee it will be removed from reports.

It will hurt less and less over time.
Good Luck
May all your dreams and wishes become a reality!
New Member
Posts: 11
Registered: ‎09-25-2012
0

Re: score goes up and down

Ok thanks
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 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.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.