100 pt. fico score dropped!!

[Gunnar419]

100 points for a mere rebucketing OR a scoring model change still seems NUTS. I agree those two things are possibilities, but that's an extreme result. It's like saying one minute "You're good as gold" and the next "Oh we changed our minds, you're a deadbeat."

[icloud2525]

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@MBCLA wrote:

Yes. In December I disputed  erroneous information on my report and it was changed by the creditor amend my score improved 30 pts.  Nothing since then and now Bang!!   I am not seeking credit anytime soon but just curious why it would happen without a change on my reports.  thanks for responding.  I am not familiar with rebuckeating though. What happens with that? 

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A 100 point drop doesn't seem plausible for a rebucket. Maybe your "disputed" info came back verified. I'd pull your report and check. 

[Anonymous]

I disputed two things on my credit report and my score dropped 75 pts, my lender said it wouldnt hurt but the lender was wrong! it took the collection out of idle mode on my report and made it active collection again as it was being investigated...i called the one lender (toyota) and they said if you have anything on your report under comments , which i did ( account settled,consumer disagress) it neg impacts your report. toyota asap issued a request to all three burrows ,that i no longer dispute ...its been almost a month,score hasnt gone up at all....i pray it goes up soon,cant move forward on building our new house because of this..its crazy and devastating...you get punished for disputing info on your credit report!

[Anonymous]

can anyone tell me how long before score will go back up once consumer comments removed from report?????my comments were removed on 3/21 and score hasnt gone back up...nothing in collections,no missed payments in two yrs,no judgements and only use 8percent of utilization! fico score 573!!!!!**bleep**