How could this happen!!! UPDATE 3/05/08

[sunrise]

O.K.....I am freaking out!!  I just got the results of a dispute back (from Experian), and a recent collection from Nov. 2007 was deleted (It was paid by ins.).......and my score DROPPED 36 POINTS!!!

WTH?  I checked EVERYTHING over w/ a fine tooth comb......the ONLY other change was my cc util went from 3% to 1%.  Shouldn't that be a GOOD thing?  I got my score from myfico....it is showing the deleted collection and updated cc info and the score drop.

So, I called the "devil" (a.k.a. EX) and they told me "these things can happen".  They "can't predict how a deletion of a negative item can impact your score"...  DUH....shouldn't it go UP?!!!!

I cried....literally bawled 

Now what?  The devil didn't have any suggestions.  Other than, "it will go back up in time w/ proper credit mgmt."......Do you know how bad I wanted to commit a felony against him at that moment?  Does he NOT know how hard we ( by that I mean me and you all ) worked to get my credit report accurate?!?!?!

Help, guys...what happened? and what can I do? 

Thanks...BTW...I am accepting condolences for my deceased points.

Message Edited by sunrise on 02-29-2008 01:09 PM

Message Edited by sunrise on 02-29-2008 01:09 PM

Message Edited by sunrise on 03-05-2008 03:13 PM

[intookst]

It is a total conspiracy out there. I had something similar but it was disputing a 30 day late and they came back and verified 30 days past due... after having 2 15 yr old lates deleted and mine dropped 60 pts! I don't owe any of them any money all are PIF accts.... how crazy.. I read on another board that capital one will deliberately post negative things be they right or wrong to stop you from getting better interest rates elsewhere!!!!!!!!Where do they get off messing with ppl! I am getting tired of it and am fighting with no gloves on now....I would just give yours a few days and see what happens..in fact mine has dropped 95 pts since I started this whole thing 2 months ago. Give EM H---!!!!

[Anonymous]

you were likely just rebucketed. it sucks but you should recover those points and MORE pretty quickly. keep your chin up.

[sunrise]

Thanks guys.....the timing is just soooo bad, we are financing a const. loan and this just hit!!

[sunrise]

Anyone else have suggestions?  Anything?  Can ya tell I am grasping for straws here?

[sunrise]

03/05/08

I am sooo excited!!  Apparently my scores dropped because of the dispute.  I got my 36 points back....plus 18 more!!!  Next time, I won't over react!

[Junejer]

Heeheehee. Sunrise, I would've done the same thing...over-react.

[Anonymous]

that's great. so happy for you.

[Anonymous]

Ohhh it's like a resurrection.

All hail powerful points!

[acadia11]

Did they delete a very old account, in which case, it could have hurt your average age of your accounts.