@nycfico wrote:About a year ago, I used Lexington Law to dispute several things on my report. On EQ, about 6 disputes remained on my report even though the dispute themselves had been closed. I spoke with Equifax the other day and asked them to remove the comments that these were in dispute. They actually said that my score would rise when these disputes were removed.
Yesterday I got an alert and my score dropped from 630 to 610! I've heard of this concept of tradelines 'refreshing' and that being a negative for old baddies...but I don't really understand this. Anybody with a similar experience or heard of one know what this means?
Disputes suck. The more I read the more I think Fannie / Freddie actually had it right discounting dispute remarks because it certainly appears that disputes aren't getting resolved properly in bureau land and even dispute remarks can have some of the properties of an active dispute.
Disputes can discount tradelines partially or fully from scoring, and it sounds like your accounts still had a flag on them and weren't being factored potentially.
Either that or there are a whole lot of coincidental changes going on; I know I discount a lot of the reports of score changes recently because their files are nowhere close to stable with lots of changes going on which are producing large swings, doesn't really track with what's been reported on the mortgage side for removing dispute remarks in some cases, or with yours here.
Tradelines refreshing is more in the paid collection side of the house. That was another dumb one which I suspect might've tied into a default DOFD or some such nonsense
