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 Posted: Fri Feb 01, 2008 8:54 am Subject: Somebody please help me understand why my score went down by |
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I got a Equifax alert that there has been a change to my credit report and a new score. This is what it said
The following changes were reported for your RNB/TARGET/RATING 6C-A account:-
Account Status Changed from Contact member for status to Pays account as agreed
Balance Amount Changed from $228 to $142
Past Due Amount Changed from $0 to N/A
I do have a target card but have never been late. I have had this account opened since 1995. Anybody know what this is all about?? Im so mad my score dived.:
Old Fico score 649 new Fico score 631!
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bbwax
Guest
Debtcc Points: 100
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| Posted: Fri Feb 01, 2008 11:10 am Subject: |
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I would challenge that entry. It sounds like they reached a settlement on a balance and reported it on your account in error. Do the figures reflect your actual balance amount.
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frogpatch
Moderator
Joined: 09 Apr 2007
Posts: 3713
Debtcc Points: 30905
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| Posted: Fri Feb 01, 2008 6:05 pm Subject: |
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Could it be a coincidence? maybe the change had nothing to do with the FICO drop? I know Fair Issaic changed around some things in how FICO is figured.
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LoneGunman
Joined: 14 Jan 2008
Posts: 226
Debtcc Points: 1629
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