Hi
So I disputed several items on my files about 3 days ago. Today I got an alert that there was a change and it says:
The following are reasons why a change to an account can cause your FICO® score to go up. (A change to an account in the opposite direction can cause your score to go down.)
- The status of the account improved. For example, the status went from "60 days past due" to "currently paid as agreed". An improvement in account status demonstrates an ability to pay debts.
- The balance on the account decreased. Generally, less debt is better for your FICO® score.
- The amount past due on the account decreased. This demonstrates your ability to meet your financial obligations.
- The credit limit on the account was raised while the balance stayed the same. Since carrying a balance too close to the credit limit is a sign of a consumer who needs credit and cannot pay it back, a higher credit limit actually helps your FICO® score.
- The history of late payments or description for this account is revised to be less derogatory. For example, if a late payment on your account was mistakenly reported, correcting this on your credit report may help your score.
Dispite all these, my score went down. I am a bit confused as to why this happened. I was hoping the dispute would result in the above statements but I didn't expect losing score 
@Anonymous wrote:Hi
So I disputed several items on my files about 3 days ago. Today I got an alert that there was a change and it says:
The following are reasons why a change to an account can cause your FICO® score to go up. (A change to an account in the opposite direction can cause your score to go down.)
- The status of the account improved. For example, the status went from "60 days past due" to "currently paid as agreed". An improvement in account status demonstrates an ability to pay debts.
- The balance on the account decreased. Generally, less debt is better for your FICO® score.
- The amount past due on the account decreased. This demonstrates your ability to meet your financial obligations.
- The credit limit on the account was raised while the balance stayed the same. Since carrying a balance too close to the credit limit is a sign of a consumer who needs credit and cannot pay it back, a higher credit limit actually helps your FICO® score.
- The history of late payments or description for this account is revised to be less derogatory. For example, if a late payment on your account was mistakenly reported, correcting this on your credit report may help your score.
Dispite all these, my score went down. I am a bit confused as to why this happened. I was hoping the dispute would result in the above statements but I didn't expect losing score
It just says these are reasons why your score COULD go up, not that those are the specific changes to your report. What actually changed?
@Anonymous wrote:Hi
So I disputed several items on my files about 3 days ago. Today I got an alert that there was a change and it says:
The following are reasons why a change to an account can cause your FICO® score to go up. (A change to an account in the opposite direction can cause your score to go down.)
- The status of the account improved. For example, the status went from "60 days past due" to "currently paid as agreed". An improvement in account status demonstrates an ability to pay debts.
- The balance on the account decreased. Generally, less debt is better for your FICO® score.
- The amount past due on the account decreased. This demonstrates your ability to meet your financial obligations.
- The credit limit on the account was raised while the balance stayed the same. Since carrying a balance too close to the credit limit is a sign of a consumer who needs credit and cannot pay it back, a higher credit limit actually helps your FICO® score.
- The history of late payments or description for this account is revised to be less derogatory. For example, if a late payment on your account was mistakenly reported, correcting this on your credit report may help your score.
Dispite all these, my score went down. I am a bit confused as to why this happened. I was hoping the dispute would result in the above statements but I didn't expect losing score
Hello and welcome.
Unfortunately (or fortunately depending on how you look at it), portions of an OC account under dispute will not be scored by FICO. Among these are the balance, the CL, and the payment history. Other items like AAoA, scoring bucket, mix of credit, acct age, etc. including CAs and PRs, are not removed or impacted by a dispute.
This is probably why your score changed. Until the dispute is resolved you won't really know what your score will do. It could end up higher or lower.