cfstr1 wrote:
Congrats Noah!!!! What do you think caused the increase?
I'd call it a FICO Funny--funny peculiar, not funny ha-ha. Because it's disputed, the late is not hurting my FICO score. Proves at least two things, in my mind.
1) Disputed baddies don't appear to hurt your FICO score, at least not as much, while they are in dispute.
2) A single late, in my case, is costing upwards of 55 FICO points, and perhaps more.
It's correct on TU and EQ, wrong on EX. Thus far it seems I haven't gotten the twits at EX to listen, but it could be the twits at Target.
Once I have dispute results from all three CRAs, I might have another go at Target with GW. Still mentally parsing words. I want the tone to be GW, but I also want to convey the message that I'm disputing, they are inconsistently reporting, and I seek to imply if they don't correct it then they are in violation.
My goal is a deletion of the late, or the TL altogether. But if I have to, I'll settle for a small claims suit.