I just received an SW alert saying that there was a score change and account change..so I pull it up, and it's reporting the 3 disputes to First Premier, Capital One and Verizon. The score increased 16 points...is that because temporarily the new reporting balance is zero? Or was this an aging increase or something and it's also informing me of the account changes?
If it's the former, it's depressing because the First Premier and Capital One were over $1,400 in UTILIZATION that is maybe "temporarily" reporting as zero, and if I only got 16 points for going from 110% utilization down to below 9% then what a huge bummer lol. I'll take the 16 points, no doubt, but if I paid nearly $800 for 16 points, I'd like a refund :/
Starting Score: 532/564 10/21/12
The reported credit lines were $800 and $300, the balances were $901 and $518. If they ignored the balance of $1,400 and I only received 16 points that is such a blow to my hopes of what I would get for decreasing my utilization. Like I said before, this $1,400 was playing into Utilization, which with my 4 cards is $1,200, so even if all the cards are at zero, I am over 100% utilization. "Ignoring" these technically makes my utilization ~9%..and to only see 16 points was rough.
