Showing results for 
Search instead for 
Did you mean: 

advice please! score drop 26pts -- 2nd UPDATE!

Valued Contributor

Re: advice please! score drop 26pts --UPDATE!

@elim wrote:

@JcT21 wrote:

ahh... disputes.   not that its anything major, but i did dispute a few things.  i got my letter a few weeks ago regarding my dispute of an old telephone number and a misspelling of the street name of my address.   that was corrected, but that was roughly 3 weeks ago.   do you think those changes could have played a role in this whole thing?


ill continue to monitor my report/scores and see what happens a about a week or so when my cap1 reports a tank of gas. 


i appreciate all the help from each and every one of you!    if you guys continue to have any thoughts, please share :-)

   disputes on Personal Information won't affect your scores.

What PI do you dispute? Is that sort of a shady way to beat the system to avoid cost of purchasing it?


I did notice that my middle initial on TU is "L" instead of "A" however it appears I have to contact them directly for that PI correction and doubt it would be a legit reason to get a free report.

EQ: 820 || TU: 825 || EX: 812 (From CCT: 7/20/17) || Garden since 1/5/18. CapOne Quicksilver $22k || Home Depot $16k || Lowes $16k || DiscoverIT $27.5k || BofA Rewards $15k || Barclay Ring $10k || BJ's Perks $13.5k || PSECU $9k || Chase Freedom $7k || AMEX BCE $17.1k || USBank Cash+ $12K || Citi DC $8K || FNBO Sheetz $6K || PSECU Founders $5K || PayPal Credit $4K ||
Message 21 of 23
Regular Contributor

Re: advice please! score drop 26pts -- 2nd UPDATE!

update 6-26


seems that $31 tank of gas has reported and just like that, my score rebounds 30 points.  a 4 point gain from the 26 loss, just for letting $31 report.   my TU and EQ stayed the same.  glad my experian jumped back to normal.  


lesson learned.  always let something report, paying off to 0 balance / 0% utilization will drop the score.  atleast in my case.

fico scores - December 21, 2016:
TU 728 | EX 711 | EQ 714 | no baddies | 147.4k CL
Message 22 of 23
Super Contributor

Re: advice please! score drop 26pts -- 2nd UPDATE!

Congratulations! Good to hear things are back and better.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
Message 23 of 23
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.