doggins wrote:
EQ from 573 to 536 - Why would I lose 37 points? I was reported first on 6/08. Paid 6/08. I'm lost...
Previously reported Balance: $711
Newly reported Balance: $0
Previously reported Past due: $711
Newly reported Past Due: Not Reported
Previously reported Status: Bad Debt; Placed for collection;
Newly reported Status: Bad Debt; Placed for collection;
Previously reported Last activity: 11/1/2007
Newly reported Last Activity: 11/1/2007
Previously reported Description: Consumer disputes this account information
Newly reported Description: Charge off account Utility Paid charge off Utility
The bolded part above is the most likely reason for the point loss, IMO.
This is not a collection. It is a charge off. There is a big difference.
It appears you disputed this tradeline, and it was verified. When you disputed it, it was removed from your score while it was in dispute. Once it was verified, it was added back into scoring, and you saw the effect. 37 points worth.
