I have been disputing an account that shows not only once, but TWICE on my reports for the past two years; when I dispute - from what I'm starting to see on this forum, it appears that perhaps this is keeping my scores REALLY LOW - is that possible? My scores last fall were better, now I cannot seem to get them over 557 except for TU - this is however according to TC...any help??
in the past year, i have online disputed several collections a couple of times and never saw a score drop immediately thereafter, so i dont think the disputes lowered my scores. i do know that your reports will indicate that you are disputing....i wonder if lenders see all of the disputes and say hmmmm, this guy might be a problem?
Holy buckets - EQ has ALWAYS been a problem for me, and of course that is the one agency that IS reporting the same stinking account twice - I have my summary judgment hearing next week; after that it's all over, win lose or draw at least I put up a good fight with a JDB who has never proven they had the right to collect.
I appreciate knowing this - I will have to just stop disputing? I have something else that started showing up that is way past the SOL and reporting period that I was going to request be removed, now I'm not so sure I should? It shows a zero balance, just says transferred/sold in July 2004. However, the DOFD was 3/99. MN is 6 years SOL...no wonder I can't get ahead!