I just got a ScoreWatch alert that my score has decreased by 13 pts. The items they listed as changed were paid, closed accounts from 2008 & 2009. (3 of them from Citizen's Financial Services) All 3 accounts were updated to state "Account transferred or sold" vs the original citation of "Closed or Paid Account/Zero Balance". The reason given for the score decrease states "You recently missed a payment or the date of your most recent missed payment is unknown". Obviously, I did not miss any payments on these accounts since they have been paid and closed for years. I have not missed any other payments recently either. I was expecting a score drop due to increased utilitzation but it has not shown on my score alerts yet? Should I dispute these updates since obviously there is no reason to sell or transfer a closed, paid account. Will I get these points back?
