Disputed a 30d and only got 50% of points back..Why?

[Aspireto850]

Any help in understanding this would be appreciated.

About 10 days ago a 30day late hit my CRs and dinged me for 41 points. Because this was en error I disputed and today it was removed but I only got 24 pint increase not the entire 41!!!! WHY???

I’m those 10 days absolutely nothing else changed my phone on my reports.#mindboggling

[Anonymous]

Something else changed.

Identical profile data yields identical scores.  If the scores are different, the profile data is different.

You'll have to go through your before/after reports account by account to determine what the difference is.

[Aspireto850]

Thanks. I did a side by side and absolutely nothing changed. I triple checked!! But I’ll look again

[Kree]

Two possibilities

1. did you pull a new report, or is your new scores from some sort of automatic update. Those can be erroneous.

2. did the disputed item get resolved, or did it get removed from credit report pending resolution.  If the second, then your AAoA and potentially AoOA were affected.

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[Aspireto850]

I pay way too much in monitoring so it was a fresh report. It was a 30day so AAOA should not be impacted. It was totally removed as the creditor corrected the reporting.

[Anonymous]

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@Aspireto850 wrote:
I pay way too much in monitoring so it was a fresh report. It was a 30day so AAOA should not be impacted. It was totally removed as the creditor corrected the reporting.

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I'm not really clear what you mean above.  AAoA is not impacted by the severity of a late payment.  Also you said it was totally removed, which is suggestive of the account, but then said the creditor corrected the reporting, which suggests the account remains, just without the 30 day late reported.  If you could clarify which one really happened that would be helpful.

[Aspireto850]

@brutalbodyshots,

The creditor reported that my December payment was 30 days late which caused a 41point drop in my score. When I received that alert. I immediately disputed it as an error ( which it was) and the 30 Day was changed back to an in time payment. My score then increased by 24 pmts not the entire 41. No expert by any means but don’t know why this would impact AAOA. All of this occurred within a 10 day timeframe.

[Anonymous]

You are correct that if the account existed both before/after that your age of accounts factors would not change. 

Simply put, something else on your CR changed.  If an event changes on your profile and it causes a 41 point change, exactly reversing that event causes a 41 point gain.  If you aren't seeing a 41 point gain and only 24 points, it means that something else is adversely impacting your scores 17 points relative to the time your score was generated before the late payment was reported.