Credit Score Disappeared

[mrshulkisloislane]

My oldest tradeline was deleted from all 3 CB's! The account was closed and pif however there were a cpl 30 day lates associated with it. I disputed those and now that the tradeline is gone. I now do not have a score with EX. My open accounts are credit cards and the oldest one is 5 mos. old. I'm assuming that is why I now have no score as I now don't meet the 6 mo min. req. Will my score reappear next month (6 mo. mark)? Will it be higher, lower or the same as it was previously? Will the same happen now with TU and EQ? I pif 4 of my accounts monthly, I allow 1 to report $6 or $8 and then pif. Help, I went from credit building to credit demolition with record speed!

[Thomas_Thumb]

You should be Fico scoreable at 6 months and receive an updated score without derogs associated with the deleted account. I'd suggest letting all your new accounts age past 6 months before considering any new credit. Your scores will definitely be higher without any derogs. I suspect you will be in the 680 to 700 range once all your cards have aged past 6 months assuming AZEO with under 9% aggregate utilization.

Side note: Disputed tradelines don't count while they are in dispute. However, if the outcome of the dispute goes against you, the account and associated derogs may reappear.

[mrshulkisloislane]

Thanks Thomas_Thumb!