Disputes & FICO score

[Anonymous]

I disputed three 30 day late payments on three credit cards through TransUnion.  I received notification today that these three lates were deleted from my credit report (yay!).  My first question is whether TransUnion will report this to the other agencies, or do I have to dispute through Equifax and Experian too?  Also, when I pulled my updated reports, it gave me an option to look at my new score.  It went down from 687 to 661 on TransUnion, and Equifax went up from 651 to 653.  I find this odd since these late payments were deleted from both reports, so I thought the score show more of an increase.  Do you think my score is not truly updated yet, since they were just resolved today, and still reflects a lower score from the initial dispute?   I am new to this, so if someone could explain all this to me, I would apprecite it!!! 

[Anonymous]

The CRA's never EVER report anything to anyone, much less reporting to each other.  Think of them as 3 completely separate entities who don't know each other exist.

Yes, you will have to dispute anything you want changed separately with each  of the 3.

As to why your TU score went down, it could be many reasons.   If all else the same, you may have been re-bucketed to a better scoring group, one with no negative items.   Now you are being scored against others with clean files.  

How old is your oldest TL?  Est. avg age of accounts?

Just keep paying everything on time, do not close positive accounts and you will see your scores continue to rise.