100pt drop overnight with Equifax

[Anonymous]

So I spent the last four years getting my three scores up from the 620 range and finally had them around 790 as of Oct 16. I had one tiny 30 day late dispute left with Equifax from 2012. Two days later the email says dispute resolved and my updated score is -100? I called Equifax today and they said everything is status quo as reported by Capital One and the 30 day late payment will remain until 2019. I'm just trying to figure what triggered the 100 pt drop. Anyone have any insight? Thanks in advance

[Revelate]

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@Anonymous wrote:
So I spent the last four years getting my three scores up from the 620 range and finally had them around 790 as of Oct 16. I had one tiny 30 day late dispute left with Equifax from 2012. Two days later the email says dispute resolved and my updated score is -100? I called Equifax today and they said everything is status quo as reported by Capital One and the 30 day late payment will remain until 2019. I'm just trying to figure what triggered the 100 pt drop. Anyone have any insight? Thanks in advance

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You made a dispute just recently or it was hanging out for a while?

Disputes do wierd things up to discounting a tradeline from scoring.  

[Anonymous]

Yes I made the dispute with Equifax on Oft 13th and it tanked Oct 16 along with the dispute results email.

[kroberts67]

I wonder if it was refreshed/reported fresh?  I had an old 60x a few years back from my credit union maybe 2 years old or so, and sent them a GW letter.  They said they would not remove it and all of a sudden my reports were showing a "new" negative reporting.  They had refeshed the reporting, or something like that, and I just had to wait it out another few years (ugh!).  It finally dropped a few months ago.  It will be less of an impact on your score over time.

[Anonymous]

I'm wondering if that's what going on. I may have unknowingly dropped a grenade in the finely tuned machine and it's now being refreshed as a new negative item.

[kroberts67]

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@Anonymous wrote:
I'm wondering if that's what going on. I may have unknowingly dropped a grenade in the finely tuned machine and it's now being refreshed as a new negative item.

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Yep...  unfortunately that's a risk when disputing something old.  When it happens I hear evil laughter coming from the computer.

[Anonymous]

I'm just going to let sleeping dogs lie from here on out. Thanks for the replies.

[Anonymous]

Same thing happened to me . I did file a Dispute and noticed my scores dropped