Worse than before

[Sbrooks1]

Been rebuilding for 3 years , had my scores up to 675 ish actoss board disputed the FPB 6 hr old charge off , it updated and scores have dropped 50 points. Sad😩

[darwin_wins]

Do you mean the CO is 6 years old? What was the update on the credit report? You could try to write a GW letter and if it was paid they may delete it for you

[Anonymous]

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@darwin_wins wrote:

Do you mean the CO is 6 years old? What was the update on the credit report? You could try to write a GW letter and if it was paid they may delete it for you

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For a charge off that old I doubt they were still reporting every month, so the dispute probably triggered new updates monthly. 

[RobertEG]

What was the asserted inaccuracy in their reporting that was the basis for your dispute?

[RonM21]

I'm thinking this triggered an update also. It doesn't seem right that it would drop 50 after that.

[Anonymous]

Had the same thing happen.  What I believe this attributes to is length of your credit history.  That CO was factored in (despite being a negative) and when it was deleted it adjusted your credit history length down.

[Meanmchine]

I had that happen to me also.  Wasnt a 50 points drop, but still was substantial.

OK now i have to ask a question here.

Lets say you have a 6 year old CO unpaid that stopped reporting. The TL still shows on your CRs and wont drop off for another year. How does disputing this ( and causing the CG to resume reporting ) cause your score to drop when the TL was on the CR to begin with? After the score drops does it rebound quickly even if CG continues now to report?