https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Disputes/m-p/2446#M835 A month or so ago I was overcharged by Delta Airlines. I disputed the charge and the charge was dropped. However, my FICO score dropped by 30 points at the same time. Now, I have two items I paid for by credit card but never received and have to make a decision. While I think it is ridiculous to pay $213.00 for something I never received, I don't want my credit score to drop again. Do I pay the $213 and 'bite the bullet' or do I dispute those charges. BTW, the 800 number for the biller has a recording (this number out of order - I think they closed shop and skeedaddled), so I am not able to rectify this with the biller. Or is there another way to get the charges dropped? Thanks, AL Tue, 17 Apr 2007 11:11:38 GMT Anonymous 2007-04-17T11:11:38Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Disputes/m-p/2446#M835 A month or so ago I was overcharged by Delta Airlines. I disputed the charge and the charge was dropped. However, my FICO score dropped by 30 points at the same time. Now, I have two items I paid for by credit card but never received and have to make a decision. While I think it is ridiculous to pay $213.00 for something I never received, I don't want my credit score to drop again. Do I pay the $213 and 'bite the bullet' or do I dispute those charges. BTW, the 800 number for the biller has a recording (this number out of order - I think they closed shop and skeedaddled), so I am not able to rectify this with the biller. Or is there another way to get the charges dropped? Thanks, AL Tue, 17 Apr 2007 11:11:38 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Disputes/m-p/2446#M835 Anonymous 2007-04-17T11:11:38Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Disputes/m-p/2447#M836 <DIV>I would continue to make minimum payments on my credit card and file a dispute with the CRAs.&nbsp; Otherwise, you will be reported as paying late and in my past experiences, there's nothing you can do about it!&nbsp; In my opinion, the whole system is confusing!</DIV> Tue, 17 Apr 2007 11:23:22 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Disputes/m-p/2447#M836 Anonymous 2007-04-17T11:23:22Z