EQ started double reporting one of my accounts with a high balance and a couple of lates last week and my score dropped 52, count em 52 points! Spoke with a CSR yesterday and she said they would delete duplicate account and send me an updated CR within 30 days. I thought that meant she was deleting the account right then and the 30 days was for the CR to be sent, but so far SW still shows my score down 52 points. Anyone have any ideas when they will delete this account? I feel sick every time I log into score watch- this score is lower than what I started with!!!
willswim wrote: EQ started double reporting one of my accounts with a high balance and a couple of lates last week and my score dropped 52, count em 52 points! Spoke with a CSR yesterday and she said they would delete duplicate account and send me an updated CR within 30 days. I thought that meant she was deleting the account right then and the 30 days was for the CR to be sent, but so far SW still shows my score down 52 points. Anyone have any ideas when they will delete this account? I feel sick every time I log into score watch- this score is lower than what I started with!!!
Technically, what you did was initiate a dispute. By law, they have 30 days to investigate a dispute, even if they told you they would delete the account right away.
Give them at least 30 days before contacting them again.
Unfortunately, you're probably not going to get half of those 52 points back. FICO scoring counts the first baddie the hardest, others are just icing on the cake. You may get a ten-point bounce, but that's about it.
