First off I know the score is bogus, but I found this interesting. Last week Hubby had a 615, NO negatives, I found this score to be a little low for his reports. He did however still show a balance with EMCC/X.com account even though it has been paid off for some time, this account mind you was in the postive section. So I disputed it again and it finally was removed completely, also his perfect tradeline with lowes, 1400 limit NO balance was also removed. Guess what his score went up to 708, these 2 items were the only things that changed??? So I am assuming possibly, that even though this EMCC account was listed as paid as agreed, b/c of what type of company it was that had the negative impact, even though his reasons codes never mentioned it. As for loosing 1400 in available credit and getting an increase, scratching my head there.
