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
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO