An old credit card debt got refreshed with all three credit bureaus for no reason.

[Timbo12]

Nobody there could explain why and just knocked down my credit score 52 points. It was a charged off account from 2020. WTH?

Anybody have any suggestions? I was going for a car loan and that's down the drain now.

[myscoresucks2]

Did you by chance dispute this account recently?

[Timbo12]

Yep.

I just talked to FICO customer service and they told me that probably triggered the update on all three reports. I guess I should have left alone.

Any suggestions?

[myscoresucks2]

Yes not much you can do now. 
Don't dispute unless the following applies

Transunion. 6 mo within fall off date

Experian.      3 mo within fall off date

Equifax.         Don't dispute!!!

[Timbo12]

Ok, thanks for the help.

Any chance my score goes back up in a couple of months to pre-dispute levels or is that dreaming?

[myscoresucks2]

It will increase as you accumulate time from when those CO we're updated. 

[Jnbmom]

Why did you dispute it? Were you just hoping to get lucky. If it was from 2020 it can remain for 7 years, and might have been dormant but now that you disputed it the updated it. It will take a while for your scores to move back up. Unfortunately hard lesson to learn .

[Timbo12]

How would someone know that would happen?? I've disputed things in the past without a refresh.

[Jnbmom]

---

@Timbo12 wrote:

How would someone know that would happen?? I've disputed things in the past without a refresh.

---

Unfortunately disputing legitimate accounts can result in a refresh .

[FireMedic1]

@Timbo12Dispute is for inaccurate entries. Not rolling the dice to try and get something removed. Epecially a 4 yr old charge off. Dont poke the bear.