I disputed with Equifax on a couple of items. Before dispute, fico was 609, during dispute,fico 588. That sucks so much. I am disputing a couple of lates on car, bal due on revolving loan, and a combo validation/dipute with RMA. I must be cursed. Fico Hell.......is my bane.
I bet the tradeline was updated and the dispute failed. Check the lates to see if they are earier than before. I have purchases with MyFico and Equifax and have noticed this with prior reports I ordered.
RNG Your are lucky you did not pay off $30,000 in credit card debt (in one month)... I took a MAJOR "HIT" on that deal...
George, please elaborate on the 30K debt pay off. I am planning to do the same in the next 2 months and you are really scaring me.... PawMix (hiding under the desk)
Nothing to be SCARRED AT...F.I.C.O. does not like MAJOR changes...a $30,000 payment is a MAJOR change... I JUST KEEP ON--KEEPIN' ON...(GO WITH THE FLOW)
How old were the lates? It is possible if the lates are old that they weren't hurting your score that much, but the age of the loan could have been helping your score. So, when you dispute it, they take it out of FICO calculation. This could have caused the decreasae. Just my opinion.
the lates are from the co-borrower and are recent. I am disputing based on the fact that the age of the account is 1997 and the lates are recent. I am also disputing a un-validated ca from RMA. I have my green card and I believed that this should have increased my score. They also have the wrong amount owed on a personal loan from my CU. I checked with the CU and they state that they sent the right info and reflected a payment of $200 for a 10 month loan. EQ is showing $90 for a 30 month loan.
