Posts: 83
Registered: ‎06-02-2012
Re: Charge off vs BK.I was stupid not paying attention!

llecs wrote:

OP, an IIB comment is scored as a negative. I don't know if it's more or less than a CO comment, so any guess would be just that. If the TL had not updated in a long time (years), then there's a chance of seeing a score drop once the TL changes. Something to consider. YMMV on your credit.

Yea...That's what I'm afraid of. But I just can't sit and do nothing about obvious inaccuracy in my report too.

So I called Equifax and initiated a dispute about this matter. They said it could take 30 days to investigate. Fine.

I am going to wait for the results of this dispute and see where my scores will be heading. If  my Fico goes up - I'll call TU and EX , if it's goes down  - I'm not touching it anymore.

Starting Score: FICO EQ-660 TU-658 07/2012
Current Score: FICO EQ-680, Walmart TU-640
Goal Score: FICO 700

In my wallet : Cap1Quick Silver-$1250,Barclaycard MC-$6000 , Merrick-$1700,Walmart-$250.

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