Im so p***ed

[Anonymous]

Well my disputes are back from Experian and I should have known...12 student loans late were deleted and nothing else changed I would have thought a score increase..But nooooo..27 pts drop from 570 to 540..This is crap....I can just screaaaaam

[coachhenson]

Hang in there.

Equifax put a fraud alert on my CR.  I never requested it, either.  I just sent a dang letter with my personal info including a copy of my DL and a utility bill to get them to remove something I NEVER HAD ANYTHING TO DO WITH IN THE FIRST PLACE.

I am hoping this helps my score jump again.  Equifax has come from a 466 in July to a 556 today.

[Anonymous]

That deos not make any sense. Did you loose any old accounts or apply for anything. Is that a FICO score or FAKO

[Anonymous]

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ficosicko wrote:

That deos not make any sense. Did you loose any old accounts or apply for anything. Is that a FICO score or FAKO

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Nope..these morons are idiots...the part that gets me is that this account was reporting 120 days plus and deleted that plus the lates and is now reporting only 1late when it was previosly reporting more.What gives?

[Anonymous]

Pardon my confused first post..It was 12 lates it was reporting plus 120 days and now its reporting only 1 late in Jan...

[Anonymous]

OK READY  What was the last reporting date on your credit report from them. The company you disputed.

[Anonymous]

Come on Bren stick with me here

[Anonymous]

Feb 2007 date of last activity...Dont see the last reporting date

[Anonymous]

Ok Bren I don't know were you went. But what happens sometimes is that. A creditor or collection company will report to the CRA. Say the last date of report was 12/2006. Seeing the amount of time that has passed it weighs less on your fico score. Now say you dispute it and it is now 2007. They update your report and now it weighs heavier on your fico. Because it is recent activity now. I hope this helps  

[Anonymous]

I found it it says Feb 2007