Re: Disputes and FICO Score
10-09-2012 11:51 AM
According to ScoreWatch, the disputes are the only changes in my account. Do you think I could see an increase if the energy bill is reflected as PIF?
SW will only give a general idea of the possible reasons behind your score change. All it does is pull your latest EQ FICO as of the moment the alert is generated and throws a possible idea behind it. For example, I once got a SW alert for +20 because I added an inquiry. The inquiry didn't give me 20 points but other changes occurred that SW wasn't designed to pick up on caused the score increase (in my case a dropped baddie). Pull an EQ report from somewhere to look for any changes.
Paying a CO like yours won't increase the FICO score.