05-02-2007 09:07 AM
twnkltoz wrote:Well, I called EQ, and they said it's showing as an open account. But they're also showing it as a CO!! Dumb***es. She started an investigation...I hope it doesn't take forever!! The "last reported" date updated, too...
05-03-2007 11:21 AM
05-04-2007 07:14 PM
If it is closed there is no impact on your utilization. Your score dropped because of the recent late.. remember though, this does not restart the 7 year clock. Wait out your existing dispute before submitting another.
twnkltoz wrote:OH MY GOD I AM SO FREAKING PISSED!!!!!!I ran my EQ on myfico again today because I saw on TC that this a/c is no longer under investigation. Guess what? EQ has it as charged off again instead of open (which is good); however....they have it as charged off in 5/07!!!!! meaning, it looks like a new charge-off. They're STILL including it in UT, and now they show it as a late payment in the last month to boot!! They dropped my score ANOTHER 6 points!!!! I wish i'd never disputed it in the first place and they would have left it alone.I sent them a hand-written letter last week to verify or delete, so I guess I shouldn't do anything else until the results of that come back? At least my mid score is still 600 because EX has their act together (relatively so, anyway), but if EQ weren't such idiots my mid would be even higher, maybe even the 620 that would make life so much easier.Any advice? Wait it out, or do another phone/online dispute to get the last reported/charge off date fixed as a short-term solution?
05-05-2007 09:08 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.
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.