Score Impacts: Comments & Pay History sections

[Anonymous]

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@800FICOGoal wrote:

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I've recently seen first hand that a comment can have an impact on a FICO score.  I recently posted (Equifax: 105 point gain - Foreclosure remark removed) that my score jumped due to the "Foreclosure" comment being removed. My CK alert specifically stated that it was the remark being removed. 

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If it was a CK alert, isn't the score you'd se change a VS 3.0 score?  Above you said FICO score, so I'm curious how you're correlating a CK alert to a Fico score change.

[Anonymous]

Aspireto850 Maybe I was unclear. What I am saying is I have no doubt that a comment can affect your score. Maybe it is also in another field as well I do not know. But what I am saying is when you put an account in dispute it is removed from consideration by the algorithm.

Consequently if you have an account that has derogatory information anywhere on it, even in the comment section, then when the score is generated while it is in dispute your score is going to go up. EDIT: (or down if it was sufficiently old enough and you don’t have any other accounts near that age. this could cause you to go from an aged profile to a young profile which could potential he cause a score drop rather than increase.) End edit.

As BBS said, it could be any number of points depending on what it is. If you have one collection and you place it in dispute you’re going to be rebucket and have a much higher score, but when the dispute is over, if it’s not removed permanently, you’re gonna lose those points again.

So what I’m not understanding is how do you get this removed without it being fraudulent if it’s accurate information? The only way the dispute is going to remove it permanently is if it’s a valid dispute and the information is not supposed to be there. If you have a valid derogatory how are you going to dispute it and get them to remove it? And if it’s inaccurate and invalid then all you have to do is a regular dispute to begin with, so I’m not understanding how this is different or new. I don’t know if I’m misunderstanding, if I’m misunderstanding please explain.

[Anonymous]

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@ibebarrett wrote:

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So I just had dispute comments removed from my reports, and my EQ FICO 8 actually went up 6 points! So there seems to be some kind of point change in relation to comments.

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Lots of things can change a score 6 points, so I wouldn't say it's out of the question that something else outside of dispute comments may have impacted the change you saw.

[Anonymous]

It depends on what the derogatory was that was removed how many points it’s going to be. Sometimes it’s just a few points or sometimes a rebucket.

[800FICOGoal]

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@Anonymous wrote:

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@800FICOGoal wrote:

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I've recently seen first hand that a comment can have an impact on a FICO score.  I recently posted (Equifax: 105 point gain - Foreclosure remark removed) that my score jumped due to the "Foreclosure" comment being removed. My CK alert specifically stated that it was the remark being removed. 

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If it was a CK alert, isn't the score you'd se change a VS 3.0 score?  Above you said FICO score, so I'm curious how you're correlating a CK alert to a Fico score change.

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LOL. You didn't read my post. The alert was on CK (up 50 points), but the 105 score gain was reported on my Experian 3B report.

[ibebarrett]

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

[EddieK]

In my case, the comment section definitely impacted my score. I just had a comment removed from an old auto loan that closed in 2011, it stated redeemed repossession, account was never in dispute and loan is still there, just w/o the comment. Before the comment was removed my EQ08 score was 748, comment removed and my score shot up to 850. Nothing else in my file changed.

[Aspireto850]

@eddieK,

Thanks for the example. I will add it to my list of data points to further build out a case about the comment section!

[Aspireto850]

@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

[EddieK]

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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.