I received a Scorewatch notice today of a +3. I thought it was a strange bump because when I checked out what had changed, it showed a Cap 1 account and "Consumer disputes - reinvestigation in process".
I sent a CMRRR to Equifax to dispute a couple of 30 day lates using the "victim of natural disaster" as the reason. I'm curious to see what will happen with it. I also disputed with the other two CRA's online.
Question: If there are 30 day lates on my accounts from the years 2003 and 2004, how much impact do you think it has on my overall Fico scores?
FICO scores: TU 663, EQ 687, and EX 695.
FAKO scores: TU 664, EQ 654, and EX 656
I know my scores are being held down by UTIL. At least until they report next month. 
Edited to add: I have nothing else derogatory on my account and only 1 inquiry in the last year.
Average age of accounts is 7 years.
Message Edited by Felicity on 06-02-2007 10:56 PM
