Documenting as I cross thresholds this month

800scoreplease — Sun, 03 Oct 2021 19:43:04 GMT

I am finally at a point where I'm crossing a few thresholds so I figured I'd document my score ups and downs.

AAOA 9yrs/Oldest Acct 22.5yrs/No Lates

Experian Fico 9
On 9/17 Navient update a student loan account as paid in full and on Experian my score went from 770 to 764. I had disputed this account balace to get it updated but the company updated before the dispute was finalized.On Sept 27th I got notification that I lost 2 more points because I combined my BOA SL thus closing one accounts so score dropped to 762. Fast forward to Oct 1st, I received an email that my dispute has been resolved and you won't believe they added the student loan back to my report with the 89% paid off loan and my score went up 9 points fron 762 to 771.

As for Equifax Fico Score 9 thru NFCU my score on 9/3 was 786 the student loan account was updated and removed in Sept and today when it updated it is now 777 down 9 pts. I looked at the report and the removal of the 89% paid student loan is the only change.

Re: Documenting as I cross thresholds this month

FireMedic1 — Wed, 03 Nov 2021 20:36:04 GMT

@800scoreplease wrote:
I am finally at a point where I'm crossing a few thresholds so I figured I'd document my score ups and downs.

AAOA 9yrs/Oldest Acct 22.5yrs/No Lates

Experian Fico 9
On 9/17 Navient update a student loan account as paid in full and on Experian my score went from 770 to 764. I had disputed this account balace to get it updated but the company updated before the dispute was finalized.On Sept 27th I got notification that I lost 2 more points because I combined my BOA SL thus closing one accounts so score dropped to 762. Fast forward to Oct 1st, I received an email that my dispute has been resolved and you won't believe they added the student loan back to my report with the 89% paid off loan and my score went up 9 points fron 762 to 771.

As for Equifax Fico Score 9 thru NFCU my score on 9/3 was 786 the student loan account was updated and removed in Sept and today when it updated it is now 777 down 9 pts. I looked at the report and the removal of the 89% paid student loan is the only change.

Nice. Cant complain about those scores. Little itchy on the dispute button?

topic Documenting as I cross thresholds this month in Understanding FICO® Scoring

Documenting as I cross thresholds this month

Re: Documenting as I cross thresholds this month