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Sent ally a goodwill and my score dropped !!!!!!

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Contributor

Sent ally a goodwill and my score dropped !!!!!!

I sent in a goodwill to ally financial to try and get some late payments removed which turned out to be a huge fail but I logged on yesterday and I seen my score had dropped 4 points due to them reporting the dispute? I didn't know this could happen... I found some lates that they reported as 30 days that were actually 15 that I plan on disputing but will that just decrease my score as well???

 

 

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Credit Karma~Equifax-643
Trans union- 627
Message 1 of 6
5 REPLIES 5
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Contributor

Re: Sent ally a goodwill and my score dropped !!!!!!

Anyone???

Credit Karma~Equifax-643
Trans union- 627
Message 2 of 6
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Contributor

Re: Sent ally a goodwill and my score dropped !!!!!!

Wait a minute, did you dispute the account or just request a goodwill? If the later, I would call Ally and complain that's not what you were trying to do.

Message 3 of 6
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Frequent Contributor

Re: Sent ally a goodwill and my score dropped !!!!!!

When you dispute a TL, certain elements of that TL are then excluded from scoring.  So it is possible to see a decrease while the item is in dispute.  Once the investigation is complete (~30 days) you will see the full affect of your dispute results.

EX 758, EQ 755, TU 759

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Message 4 of 6
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Frequent Contributor

Re: Sent ally a goodwill and my score dropped !!!!!!

It's clearly being treated as a Dispute.  I would wait until the process runs it's course.

EX 758, EQ 755, TU 759

NFCU Sig Visa $27K | BofA Cash Rewards Visa $26K | Marriott Rewards Visa $25K | AMEX Delta Skymiles $25K | BofA Sig Visa $25K | Citi HHonors Reserve Visa $23K | NFCU LOC $15K | NASA Platinum Visa $15K| Barclay's USAir WMC $11.7K | NFCU Sig Visa $10K | Cap1 Venture $8K | Amazon Prime Rewards Visa $7K | Williams Sonoma Visa $3.4K | Discover IT $2.8K | Various Store Cards $5K - $17K
Message 5 of 6
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Contributor

Re: Sent ally a goodwill and my score dropped !!!!!!

I just sent a goodwill to see if they would delete a few late payments, which they said no to.

Credit Karma~Equifax-643
Trans union- 627
Message 6 of 6
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