Don't understand Experian...

[makeynik]

Experian used to be one of my highest scores when I first started...It was at 513 (I know bad, but that was in the past!).  When the two others were making climbs, it dipped to about 488, I think...now, even after getting some collections off, it is now at 509...my EQ is 582, where it started at 425, much lower than EX.  Does EX drop with disputes?  Will I ever see the light with EX?  I am trying to get them all up about the same area to do an FHA refinance (I hope) in Jan.

[haulingthescoreup]

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makeynik wrote:
Experian used to be one of my highest scores when I first started...It was at 513 (I know bad, but that was in the past!).  When the two others were making climbs, it dipped to about 488, I think...now, even after getting some collections off, it is now at 509...my EQ is 582, where it started at 425, much lower than EX.  Does EX drop with disputes?  Will I ever see the light with EX?  I am trying to get them all up about the same area to do an FHA refinance (I hope) in Jan.

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What does your FICO EX report give as negative comments on screen 2? And how do those comments compare to the negatives on your FICO EQ and FICO TU reports?

[Anonymous]

Yes, your score can drop with a dispute, especially if the tradeline was positive before the dispute.