topic Consumer Dispute in General Credit Topics https://ficoforums.myfico.com/t5/General-Credit-Topics/Consumer-Dispute/m-p/484964#M127964 After getting my Equifax Fico score and report I disputed some items.&nbsp; I received an alert today that said " An account listed on your credit report has been updated.&nbsp; The accounts are ten student loan accounts.&nbsp; The old status was previously reported as "Pays account as agreed" but I still was flagged as being 120 days late in 2003.&nbsp; Now it says <SPAN>"At least 120 days or more than four payments past due."&nbsp; And there is now a new description that reads "</SPAN><SPAN>Closed or Paid Account/Zero Balance </SPAN><SPAN>Refinanced </SPAN><SPAN>Student loan</SPAN><SPAN>."&nbsp; My score hasn't changed and my question is did </SPAN>I make a mistake in requesting an investigation?&nbsp; What does it all mean?&nbsp; Thanks for any help on this!!<BR /><SPAN>&nbsp;</SPAN><BR /><STRONG><SPAN><BR /></SPAN></STRONG> &nbsp; &nbsp; Sat, 18 Apr 2009 18:10:12 GMT Anonymous 2009-04-18T18:10:12Z Consumer Dispute https://ficoforums.myfico.com/t5/General-Credit-Topics/Consumer-Dispute/m-p/484964#M127964 After getting my Equifax Fico score and report I disputed some items.&nbsp; I received an alert today that said " An account listed on your credit report has been updated.&nbsp; The accounts are ten student loan accounts.&nbsp; The old status was previously reported as "Pays account as agreed" but I still was flagged as being 120 days late in 2003.&nbsp; Now it says <SPAN>"At least 120 days or more than four payments past due."&nbsp; And there is now a new description that reads "</SPAN><SPAN>Closed or Paid Account/Zero Balance </SPAN><SPAN>Refinanced </SPAN><SPAN>Student loan</SPAN><SPAN>."&nbsp; My score hasn't changed and my question is did </SPAN>I make a mistake in requesting an investigation?&nbsp; What does it all mean?&nbsp; Thanks for any help on this!!<BR /><SPAN>&nbsp;</SPAN><BR /><STRONG><SPAN><BR /></SPAN></STRONG> &nbsp; &nbsp; Sat, 18 Apr 2009 18:10:12 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Consumer-Dispute/m-p/484964#M127964 Anonymous 2009-04-18T18:10:12Z Re: Consumer Dispute https://ficoforums.myfico.com/t5/General-Credit-Topics/Consumer-Dispute/m-p/485009#M127967 <P>I'm unclear what you were disputing. </P><P>&nbsp;</P><P>An account will be flagged if it has any negatives. Were you actually 120 days late in 2003? </P><P>&nbsp;</P><P>Are these all paid? </P><P>&nbsp;</P><P>Where is it saying "At least 120 days or more than four payments past due" at?&nbsp; </P><P>&nbsp;</P><P>Where is it saying "Closed or paid account/zero balance refinanced student loan"? </P> Sat, 18 Apr 2009 19:04:50 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Consumer-Dispute/m-p/485009#M127967 Anonymous 2009-04-18T19:04:50Z Re: Consumer Dispute https://ficoforums.myfico.com/t5/General-Credit-Topics/Consumer-Dispute/m-p/485045#M127973 <P>I was disputing because I thought these were in consolidation and for some reason I thought late payments didn't stay as long on your report.&nbsp; Here's what I got today:</P><P>&nbsp;</P>&nbsp;<BR /><BR />&nbsp;<BR /><BR />&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <SPAN class="text2w"><STRONG>Previously reported</STRONG></SPAN> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <SPAN class="text2w"><STRONG>Newly reported</STRONG></SPAN><BR />Balance: &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp; <STRONG><SPAN>$0</SPAN></STRONG>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <STRONG><SPAN>$0</SPAN></STRONG>&nbsp;&nbsp;&nbsp;<BR /><BR />Past due:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <STRONG><SPAN>&nbsp;&nbsp; $0</SPAN></STRONG>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <STRONG><SPAN>$0</SPAN></STRONG><BR /><BR />Status:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<STRONG><SPAN>Pays account as agreed</SPAN></STRONG>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <STRONG><SPAN>At least 120 days or more than four payments&nbsp; past due</SPAN></STRONG><BR /><BR />Last activity:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <STRONG><SPAN>10/1/2003</SPAN></STRONG>&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <STRONG><SPAN>10/1/2003</SPAN></STRONG><BR />&nbsp;<BR />Description:&nbsp; <STRONG><SPAN>Consumer disputes - reinvestigation in process</SPAN></STRONG>&nbsp;&nbsp;&nbsp; <STRONG><SPAN>Closed or Paid Account/Zero Balance<BR /></SPAN></STRONG>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <STRONG><SPAN>Refinanced<BR />&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </SPAN></STRONG><STRONG><SPAN>Student loan</SPAN></STRONG><BR /><BR /><STRONG><SPAN><BR /></SPAN></STRONG><BR /><BR /><BR /><BR /><BR /><BR /><BR /><BR /><BR /><BR /><BR /><BR /><BR /><BR /><BR /><BR /><BR /><BR /><BR /><BR /><BR /><BR /><BR /><BR /><BR /><BR /><BR /><BR /><STRONG><SPAN><BR /></SPAN></STRONG><BR /><BR /><BR /><BR /><BR /><BR /><BR /><P>&nbsp;</P> Sat, 18 Apr 2009 19:41:14 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Consumer-Dispute/m-p/485045#M127973 Anonymous 2009-04-18T19:41:14Z