https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/question-for-the-scoring-guru-s/m-p/120575#M13148 <DIV>Just received another score watch update. Score went up 16 points.&nbsp; Only change noted on report was an update to my address.&nbsp; However maybe my disputes are working.&nbsp; However today in the mail I received a letter from Equifax claiming that they couldn't investigate my disputes because they couldn't find my credit file.&nbsp; They have my name all backwards.&nbsp; So I spent the afternoon writing a letter pointing out the disputes I have and also making copies of my DL and my SS card for them.&nbsp; Go figure.&nbsp; LOLOL&nbsp; I am still sending it RRR to them on Wednesday.&nbsp; LOL&nbsp; Hopefully TU and Exp won't have the same issues.&nbsp;</DIV> Mon, 24 Dec 2007 22:26:27 GMT granny031350 2007-12-24T22:26:27Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/question-for-the-scoring-guru-s/m-p/120494#M13143 <DIV>I have been disputing my credit report and getting things changed to IIB/zero balance.&nbsp; However I just read on the BK forum that when no payment is reported to FICO monthly, the scoring counts it as a hit to your credit report, even though no payment should be made because the debt was discharged in the BK.&nbsp; Is this making sense to anyone?&nbsp; Is that why when Drive Financial changed my delinquent past due information from 4500 late to IIB/zero my score DROPPED 18 points?&nbsp; So how would one counteract that in the scoring from FICO?&nbsp;</DIV> Mon, 24 Dec 2007 17:35:42 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/question-for-the-scoring-guru-s/m-p/120494#M13143 granny031350 2007-12-24T17:35:42Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/question-for-the-scoring-guru-s/m-p/120513#M13144 <DIV></DIV> <DIV><BR /> <BLOCKQUOTE> <DIV> <HR /> granny031350 wrote:<BR /> <DIV>I have been disputing my credit report and getting things changed to IIB/zero balance.&nbsp; However I just read on the BK forum that when no payment is reported to FICO monthly, the scoring counts it as a hit to your credit report, even though no payment should be made because the debt was discharged in the BK.&nbsp; Is this making sense to anyone?&nbsp; Is that why when Drive Financial changed my delinquent past due information from 4500 late to IIB/zero my score DROPPED 18 points?&nbsp; So how would one counteract that in the scoring from FICO?&nbsp;</DIV><BR /> <HR /> </DIV> <DIV>&nbsp;</DIV> <DIV>Depending on how long ago this was last reported, this could have been a case of recency</DIV></BLOCKQUOTE><BR /> <DIV></DIV></DIV> Mon, 24 Dec 2007 18:33:45 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/question-for-the-scoring-guru-s/m-p/120513#M13144 Anonymous 2007-12-24T18:33:45Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/question-for-the-scoring-guru-s/m-p/120575#M13148 <DIV>Just received another score watch update. Score went up 16 points.&nbsp; Only change noted on report was an update to my address.&nbsp; However maybe my disputes are working.&nbsp; However today in the mail I received a letter from Equifax claiming that they couldn't investigate my disputes because they couldn't find my credit file.&nbsp; They have my name all backwards.&nbsp; So I spent the afternoon writing a letter pointing out the disputes I have and also making copies of my DL and my SS card for them.&nbsp; Go figure.&nbsp; LOLOL&nbsp; I am still sending it RRR to them on Wednesday.&nbsp; LOL&nbsp; Hopefully TU and Exp won't have the same issues.&nbsp;</DIV> Mon, 24 Dec 2007 22:26:27 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/question-for-the-scoring-guru-s/m-p/120575#M13148 granny031350 2007-12-24T22:26:27Z