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Account is now removed and I'm now at a 675 YAY for 5 points.
Tranunion is 728
Thanks for posting your outcome! People don't always do this, but it's very helpful.
I just disputed 5 items and my account dropped by 30 points, I am awaiting the results. Some of them are clearly incorrect.
Yeah I'm in the same boat. Disputed two old items on my credit report. Equifax score went down from a 678 to a 615! WTH. It lowered 30 points the first month I disputed the items. And whats really annoying is the item being disputed came back with a result saying it would be deleted. I waited a week or so and it was still there. I call Equifax and they say "we're not sure why it says the item will be deleted maybe that was a mistake" huh? So I dispute it again for different reasons this time. I also contact the company that made the negative remarks and dispute it with them. Score drops again. My Fico score, Transunion and Experian scores stayed the same (678-705) - Hoping all works out in a month or so. I will post the outcome.
If it came back as deleted keep the letter and file suit against them. They have 5 days to notify you in writing if they put it back on your report.
Every time you dispute something it drops the score.
Personally, I think FICO scoring is total BS. I'm an AT&T employee, and opened an account for AT&T services at my new address. Score dropped 3 points because it was viewed as an application for credit. A utility bill sure as heck isn't credit in my view.
@kcFlorida wrote:Personally, I think FICO scoring is total BS. I'm an AT&T employee, and opened an account for AT&T services at my new address. Score dropped 3 points because it was viewed as an application for credit. A utility bill sure as heck isn't credit in my view.
I think it boils down to whether or not AT&T needs to pull your credit before offering a phone. IMO, I think they should because they are taking a financial risk in the 30 days leading up to the first bill as well as the phone costs, but I'm sure others would disagree with their policy.