My EQ score was 633 before I disputed 12 late payments. EQ deleted all of them and my score is a freaking 654! How can that be??? I have one collection for $88 from 99' and that's it. Do you think I should dispute the collections or write a good will letter. Man, I thought for sure I would be in the 700's ;(
Don't feel bad. I got an unpaid 84k judgement, an unpaid charged off credit card, and a foreclosure with lates removed- all for 20 lousy points. It is a joke. I guarentee when they hit the scored dropped more than 20 points. I still think even when deleted it still counts against us in some ways. I had a finance loan that cost me 16 points and when I paid it off 2 months later I lost another 4 points.
I've heard (here on the board and from a TU rep) that the last derog coming off causes the BIG jump. I'm 1-2 away from this on all reports, so we shall see!
