Disputes causing reporting dates to change and lowering FICO score

[missy42]

Hi Boscoe,

I wanted to keep Sara4 however I had already created this profile under my fico so I just kept it.  As for my scores they are not the greatest but I keep at the disputes and so far my eqifax seem to be the only one that has increased.  I managed to get several credit cards all with low balances but I did get a cap one increase so now I have a cl of $800.00 with cap one and $300 with hsbc and first premier.  I don't particularly like first premier but I don't carry a balance with it so it's all good.

Here are my fico scores after finding this site and realizing the fako scores were a waste of time I just keep up with these like i said they're not great at all but hopefully time will help as well as paying everything on time:

All Fico:

TU: 484

EX: 500

EQ: 533

Any clue on how to raise my scores?  I read everything I can on this forum but I must admit I post very little since I don't feel I have much to say but have lots of work to do.  I think they will continue to go up but I have disputes going with TU and EX now and I'm hoping they will increase after the investigations are complete.  My next step is to send out DV letters.  Almost all are reporting IIB but some still show high credit limits on those accounts along with balances and I'm not sure how to get them not to report it so if you or anyone else have a sample letter I can send to the CA's it would be helpful.  Thanks for the email BTW what are your fico scores? 

[Anonymous]

I have this same issue, I disputed one account status with Experian in May 07 from my BK7 in 2002, and now all my IIB Accounts show date reported May 2007.