Score Impacts: Comments & Pay History sections

[Anonymous]

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@ibebarrett wrote:
@BrutalBodyShots credit karma and myFICO both correlated the score change with the remark removal, and nothing else changed other than remarks being removed

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MF doesn't correlate score changes to alert reasons for report changes.  This is a huge misconception on this forum.  When you're provided with an alert that something changed on your report, you're provided with a fresh score at that time.  The change in your score may or may not have anything to do with the alert reason.  Because they're both shown to you at the same time, it's natural to assume that the alert reason is the reason for the score change, but many times that's not the case.

[BallBounces]

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@EddieK wrote:

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@Aspireto850 wrote:
@eddieK,

Out of curiosity, did the comment just disappear or did you request removal? If the latter can you share your approach and with whom?

Thx

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Just removed on its own.

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And it was at "7+ years" of age right?  The age which negatives can not be reported?

The point of my question a few posts above is, in addition to that comment being removed, was an underlying negative data flag removed.   Either way, congrats! 

[EddieK]

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@BallBounces wrote:

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@EddieK wrote:

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@Aspireto850 wrote:
@eddieK,

Out of curiosity, did the comment just disappear or did you request removal? If the latter can you share your approach and with whom?

Thx

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Just removed on its own.

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And it was at "7+ years" of age right?  The age which negatives can not be reported?

The point of my question a few posts above is, in addition to that comment being removed, was an underlying negative data flag removed.   Either way, congrats! 

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It was 8 years, no other data flags were removed, the account always showed paid as agreed, just listed in the comments as redeemed repossession.

[ibebarrett]

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@Anonymous wrote:MF doesn't correlate score changes to alert reasons for report changes.  This is a huge misconception on this forum.  When you're provided with an alert that something changed on your report, you're provided with a fresh score at that time.  The change in your score may or may not have anything to do with the alert reason.  Because they're both shown to you at the same time, it's natural to assume that the alert reason is the reason for the score change, but many times that's not the case.

Even if it isn't necessarily indicative, I just had a score change update 2 days prior paired with a change in utilization. I don't see what could have possible changed over those 2 days. After that util change there was no change in AAoA, AoYA, AoOA, nothing dropped off, nothing new posted....am I missing a variable? While the MF alert and score change may not necessarily corrolate, I feel as if it does in this particular situation.

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[Anonymous]

Ibebarrett What was the remark that was removed if you don’t mind me asking?

Was the score change at every bureau? What the change at every bureau?

[Anonymous]

BallBounces Good question

[ibebarrett]

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@Anonymous wrote:
Ibebarrett What was the remark that was removed if you don’t mind me asking?

Was the score change at every bureau? What the change at every bureau?

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They were dispute comments across 3 different accounts(only 2 accounts for EX) that were dropped, EQ went up 6, EX went up 4 and TU had no change.

[Anonymous]

Since I only had a quick question/comment on this subject, I didn't feel that it needed a whiole new thread.

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@Anonymous wrote:

I've always been very skeptical of "comments" being a factor that can impact Fico scoring.  I think more often than not it comes down to the account being in dispute which is impacting score, not the actual comments.  Over the years on this forum it was from what I read more or less believed that comments were not a factor in Fico scoring... the same way an address or high balance are fields that aren't score-impacting.  Recently however more people have been reporting that comment changes have impacted their scores and in a few of the examples it sounded like accounts in dispute were not a variable... so I'm not sure we've got a conclusive answer at this point.

I'd like to hear other opinions on the subject.

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While my scores aren't low enough to worry about a probable change this effect may have, it does make me curious how a closed dispute may be impacting my score if at all. But I'm more concerened with the affect it may have on approvals, the message it may be sending to potential lenders.

I placed a dsipute on Discover for a charge I didn't make 2 years ago, they handled it by closing it and sending a new card.

However, on my CR it says "Dispute resolved by grantor". Though it doesn't even mention what the dispute was even about.

So I was wondering if I should consider contacting them about removing said comments, or if it even matters?

[Anonymous]

Janus I would not worry about it. It seems comments affect score, but ONLY when they are derogatory in nature. There’s nothing derogatory about your comment from what you posted, so you’re good.

But I’m still wondering the same thing I’ve been wondering since the creation of this thread. How do you get a negative remark removed absent a dispute? And to dispute, you need a valid reason and something has to be inaccurate.

If it’s accurate, you’re stuck with it. How else can you get it off? you just call in and ask a CRA to take it off? If so, can I just ask him to take off any other derogatory at the same time?

I’m not understanding how to remove the remark without going through a dispute.

[snickerpedia]

I find this very interesting.

Let's say the comments do effect score, do you think the comment "transferred to recovery"- on a positively reporting account - could be one of the comments that could possibly effect scores? I'm just curious becuase I have been trying to figure out something on my friends report for a FEW YEARS, and this would make a lot of sense.