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Achieve2012
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Message 1 of 15
14 REPLIES 14
Anonymous
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Re: HSBC auto made my score drop 12 points. Help!!

When did you pay it off???...What was the DOLA before??...and as far as the lates...did you think of sending them a GW letter for the lates???...If the account is closed...it needs to report as closed...
Message 2 of 15
Achieve2012
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Message 3 of 15
Anonymous
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Re: HSBC auto made my score drop 12 points. Help!!

Sometimes when you dispute things it makes FICO count the lates as newer than they really are, which is one reason you should not dispute if the information is accurate.

I say give it time you will get the points back, but do let the CRA's know that the account is closed - maybe that will help with some points, by showing a lesser amount of opened accounts. YMMV.
Message 4 of 15
Anonymous
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Re: HSBC auto made my score drop 12 points. Help!!

I would send a copy of the before and after report...with the DOLA highlighted...and dispute it as re-aging....is this your oldest account..and can you afford for it to be deleted??...they might delete it due t disputes...but I think the DOLA might be affecting you...
Message 5 of 15
Achieve2012
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Message 6 of 15
Anonymous
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Re: HSBC auto made my score drop 12 points. Help!!

It is a legitimate dispute..another porter just posted..getting 12 collection account deleted...due to re-aging...
Message 7 of 15
Anonymous
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Re: HSBC auto made my score drop 12 points. Help!!

Yes, it is legitimate because it is indeed incorrect.
Message 8 of 15
Achieve2012
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Message 9 of 15
Anonymous
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Re: HSBC auto made my score drop 12 points. Help!!

Dispute with the CRA...
Message 10 of 15
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