Disputed 4 accounts on Equifax, all had 30 and 60 days late (Disputed as never late). Dispute was complete - all 4 ruled in my favor. Payment history changed to never late. End result: Lost 4 points! Stupid Random Number Generator! Now I know how GEORGE feels... GT
Are you sure your cards didn't report and maybe were a tad bit higher in balances than they were previously? It seems like almost all of my cards update balances around the same time. Just a bit of fluctuation there can cause the point fluctuation even if it looks like nothing else has changed...at least in my personal experience. L