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.
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.
Congratulations! Good to hear things are back and better.