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All my financial changes this month were positive, but score dropped 16 points! **bleep**?

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Anonymous
Not applicable

All my financial changes this month were positive, but score dropped 16 points! **bleep**?

At start of month by credit score from Experian was 532.  Since then my credit card utilization dropped from 75% to 72%, and they removed an "overdue payment" that actually was not overdue.  The only other changes were some disputes I filed that are still under investigation.  Does credit score drop from filing disputes?
Otherwise something is FUBAR with FICO calculations. 

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Revelate
Moderator Emeritus

Re: All my financial changes this month were positive, but score dropped 16 points! **bleep**?

Welcome to the forums!

 

Disputes do wonky things to FICO scores namely discounting tradelines which are under dispute potentially.  

 

As a result don't read anything into your score while the disputes are still active, it simply isn't meaningful until they're resolved.




        
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