Update: My Credit Score Is Recovering After Disputes With All 3 Bureaus
Also see:
How a $6 Charge Made My Credit Score Drop 100 Points
Well, it’s been nearly a year since a $6 charge from Dollar Shave Club on an Amex card plunged my credit score over 100 points.
At the time, my credit score was 803 – the first time I’d ever gone over 800. I know it doesn’t intrinsically “matter,” because a score over 750 is as good as it gets. But I did have some pride at earning an above-800 score.
So I was pretty horrified when one stupid error brought me down to ~700. All the work I’d done to build my credit was instantly erased. And, Amex was totally clueless, unhelpful, and actually prolonged the repair process by saying they’d corrected it on their end when in actuality they hadn’t done anything.
I dragged my feet on filing a dispute with the 3 major credit bureaus because I knew it would be a slog – and it was. No sugar-coating that ish.
Only 13 points to go before I get to 800 again
But, as of last month, my score is now above 780 across the board!
It’s not over 800 yet – I doubt that will happen any time soon – but I am happy my score is recovering. Here’s how it went down.
The long, long dispute process
Link: Equifax dispute process
Link: Experian dispute process
Link: TransUnion dispute process
After I filed my initial disputes, I knew it would take some time for the whole thing to resolve. Because each bureau says something to the effect of, “This is gonna take 30 to 45 days for us to even look at it.”
After that, if resolved in your favor, it could take a couple of more months for that information to appear on your credit report. So, 3, maybe 4 months, from filing the dispute to seeing any update. And the whole time, you’re uncertain and in limbo. Of course.
What I wrote in my dispute file
And also of course, the websites are from the mid-90s, clunky, and hard to navigate. If you ever have to do this, plan to spend at least an hour – most of that clicking through error messages.
On each dispute, I wrote:
Closed account in April 2016. In June 2016, AMEX approved a charge to the closed account and did not notify me – at that point I’d moved to a new address. Paid account in July 2016. AMEX did not update credit.
And I marked that my payment was never late – because the account was closed and therefore had no due date.
I won!
Apparently that was clear enough – because months later, I began getting results of the disputes.
Letter from Experian
I’d nearly forgotten about the whole thing. And in the meantime, learned to live with my kinda lame credit score.
I was still able to get several new credit cards, and even pre-approved for a new mortgage loan. Although I did have to explain a couple of times what happened via reconsideration.
So when I saw my “outcome” was “updated,” I was pretty excited. But I knew it would still take a while for my score to show recovery.
780+, baby (Credit score recovery phase)
The image at the top showing a 787 score is from Credit Karma, which pulls from Equifax and TransUnion.
781 with Equifax
I also checked Citi for my FICO (not FAKO) score with Equifax, where it’s currently 781.
Just super excited to see NO accounts with “negative marks”
And Credit Sesame shows similar results. The “C” grade is for new credit inquiries – I’ve learned to live with that, too, because there will always be new credit inquires. 
