Disputing -score dropping?

Anonymous · ‎03-09-2008

I started disputing some collections on my credit report. I went on line yesterday and did an online dispute on 4 collections. My score dropped on all three CRA overnight by as much as 20 points. What is going on?

llecs · ‎03-09-2008

It's possible these accounts fell off or an account fell off with these disputes. If deleted off your report, you score could drop if that account contributed to a higher average age. Same happened to me. Accts deleted but they were my oldest and my avg. age dropped from 6 yrs to 4 yrs overnight. And adding new accts dropped that even further.

andyaycw · ‎03-09-2008

Ignore FICO during open disputes.

Starting Score: EQ 773, TU 766
Current Score (2/25/2017): EX 813, EQ 823, TU 818
Goal Score: 800

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fused · ‎03-09-2008

4real wrote:

I started disputing some collections on my credit report. I went on line yesterday and did an online dispute on 4 collections. My score dropped on all three CRA overnight by as much as 20 points. What is going on?

As far as FICO scoring goes, collections and public records never factor in average-age of accounts and credit history length. Something else must have changed. Are these collections yours? Are they paid?