Last March or so my fico at EQ went way south in the middle 500's. After a bunch of re-disputes especially on a Discover Charge off that they changed from R9 to R5 and then back to deleting my score started to rise again. Then I went on to dispute my only 4 derogs left 2 cap1's, one AMEX and one BOFA. EQ deleted one CAP1 (hooray) and it stayed off, The BOFA but not the other Cap1 and AMEX. All along EXP and TU got the same disputes but did NOTHING. TU sent me the "frivolous" letter and EX went through the motions but everything remained Now my EQ fico is the highest at 648 TU and EX are both exactly at 638. I'm asking myself :Why is EQ going soft? Of course I don't mind the deletions at all! But before March they were the toughest bureau for me to get derogs deleted.
