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Equifax Dropped Score for Disputing Account!?

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Gladius
Frequent Contributor

Re: Equifax Dropped Score for Disputing Account!?


@Remedios wrote:

When an account is in dispute, it can be temporarily excluded from scoring.

 

 


The rep should've mentioned this, especially since it's a potential "negative" effect on your score.

Message 11 of 14
donkort
Valued Contributor

Re: Equifax Dropped Score for Disputing Account!?

I got a 30-day late because of neglect, too.

 

The previous posters are right. 

FICO 8: EQ 810; TU 816; EX 822 as of 7/5/2022
Message 12 of 14
doredeb
New Contributor

Re: Equifax Dropped Score for Disputing Account!?


@Remedios wrote:

When an account is in dispute, it can be temporarily excluded from scoring.

 

 


If that were the case, why did my score DROP when I disputed the collection? The collection was the only neg on my report, and you'd think excluding it from scoring would result in an increase, even if it was only temporary, right?

Message 13 of 14
Remedios
Credit Mentor

Re: Equifax Dropped Score for Disputing Account!?


@doredeb wrote:

@Remedios wrote:

When an account is in dispute, it can be temporarily excluded from scoring.

 

 


If that were the case, why did my score DROP when I disputed the collection? The collection was the only neg on my report, and you'd think excluding it from scoring would result in an increase, even if it was only temporary, right?


Did you see this drop on Credit Karma or was it somewhere else? 

Message 14 of 14
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