HELP!!! Just lost 58 points please help

[Anonymous]

Ok says on equifax lost 58 points and I was starting to gain points. It says consumer disputes reinvestgation in progress. Why did I lose 58 points. This is a dispute from first premier i paid the cc off in Feb 1 I asked for pay for delete it called them back and out right lied saying I didn't pay for delete?


Also I got all 3 of my credit reports and I disputed somethings address and a PO box in never had then also I have something in collections stating that I owe 866.00 from midland funding that was in 2010 says it's open and this account says I disputed but I didn't?

[RobertEG]

Point loss (or gain) is a temporary side effect of most disputes, and only applies while the dispute is pending.

FICO removes certain OC account information from scoring while a dispute is pending, including scoring of derogs and util.

It will return to normal once the dispute is concluded.

That is why creditors dont want to see pendng disputes during any appplication process.

Let the dust settle.....

[Anonymous]

So just wait it out ? But I heard people say it stays on there for monyhs

[sjt]

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@RobertEG wrote:

Point loss (or gain) is a temporary side effect of most disputes, and only applies while the dispute is pending.

FICO removes certain OC account information from scoring while a dispute is pending, including scoring of derogs and util.

It will return to normal once the dispute is concluded.

That is why creditors dont want to see pendng disputes during any appplication process.

Let the dust settle.....

---

Si if there is a gain/loss in score on an item you are disputing. Can that be an indication of what your score will be if that item is removed?

[Anonymous]

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@sjt wrote:

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@RobertEG wrote:

Point loss (or gain) is a temporary side effect of most disputes, and only applies while the dispute is pending.

FICO removes certain OC account information from scoring while a dispute is pending, including scoring of derogs and util.

It will return to normal once the dispute is concluded.

That is why creditors dont want to see pendng disputes during any appplication process.

Let the dust settle.....

---

Si if there is a gain/loss in score on an item you are disputing. Can that be an indication of what your score will be if that item is removed?

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That's what I'm trying to figure out.