I got credit expert with Experian at the beginning of August. At that time, my score was an atrocious 589. Since then I have had 5 collection accounts (all approximately 4 years old) deleted via online disputes. I have had 2 inquiries in the last 6 months--the last one knocked 3 points off my score. My score stands at 588! What the heck is going on?! Is there some kind of delayed reaction? Also, is it true that while acounts are in dispute that they don't impact your score? Is this a good time to apply for credit? I love this board!
