I had pulled my EQ report yesterday at myFico and my FICO score which was 749 on 5/27 has now increased to 763. On 5/27 I had disputed several tradelines that appeared active with zero balances when in fact are closed or previously transferred. Other information I disputed, included a revolving balance that was zero since Marchâ??03 and an installment loan that had not been reported since Decemberâ??02. Although, elated, I am somewhat perplexed because I am not sure if this increase in score was attributed to the disputed information or the fact that, overall, my installment loans are reflecting a $2354 reduction in balance. Does anyone know in general if installment loans are treated similiarly to loc? Does it make a difference if one's owes two thirds vs fifty percent, etc? I might also add, that to date, I havenâ??t received an updated report in the mail from EQ and about 6 or 7 of the disputed tradelines where the last day of activitiy exceeded 7 years were no longer included in myFICO report. Any input is greatly appreciated. Thanks! Mazani
