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Need some profession insight -+75 points in two weeks

Established Member

Need some profession insight -+75 points in two weeks

Just gonna lay it out the way it happened...


4/4-scorealert from 604 to 665- change: Past due on Citi CO account went to $0, balance $3990 cl $4150, "consumer disputes this account info"

4/5-score alert from 665 to 602- change: Citi account "consumer disputes-reinvestigation in progess"

4/10 score alert from 602 to 700- change: 4 90 lates removed from SL from 1 1/2 years ago

4/17 score alert from 700 to 695- change: citi CO balance updated to $0

4/18 score alert from 695 to 623- change: citi dispute comment removed states "account settled for less than full balance, original charge of in high limit"


So I am just lost!!  before all this happened I was at a 604 with 99% util and 4 90 day lates and after the dust settles I only get 19 points for the lates removed and a CO reporting a ZERO balance????  I just seems heartbreaking!  I thought I would get more points for the double ding on util going away. 


Any insight???  19 points seems sad for all that work!

Message 1 of 4

Re: Need some profession insight -+75 points in two weeks

You cannot trust a FICO score with outstanding disputes in progress, the updating of the account to current date and removal of the dispute comments put it back into being able to be scored, its being picked up as a brand new CO... This is the drawback to settling anything prior to the CRTP or not being able to obtain an outright deletion. So what most likely happened is the score increase from the deletion of the 4 90 day lates was offset almost completely by the CO updating to current date.

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne

Message 2 of 4
Established Member

Re: Need some profession insight -+75 points in two weeks

The CO has been updating every month since it was COd in Dec 2013.  So its only been a CO for 5 months and was settled in March.   Thats whats so wierd. 

Message 3 of 4
Moderator Emeritus

Re: Need some profession insight -+75 points in two weeks

When an OC's account is put in dispute, certain aspects of it are excluded for scoring.  Once the dispute is through and removed from your CR, your true score will be reflected.  This is why mortgage lenders often state disputes must be removed before approval.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 4 of 4