Huge FICO Decrease Question

[Bizeeparnts]

Happy New Year!!

I just have a question I'm hoping you can answer.

I went to myfico.com and purchased my Equifax score along with my credit report. I found that most things on my report were incorrect, so disputed all of those items. Then yesterday I get a notice from the website saying there was a change to my score. I went to look and found my score has gone down 19 points, but the only change on my report is all the disputes. Why would disputes decrease my score like that?? Is this a permanent reduction or will it go back up after disputes are resolved?

I'm just very concerned because I should be about a week from discharge and am trying to make sure my credit report is cleaned up so I can start rebuilding.

Thanks everyone for your thoughts on this.

Bizee

[StaciMM]

As I understand it, having disputes in progress makes your score unpredictable, because some things may not be counted in it. (Like when I've disputed things, some are put in a non-rated status.)

Some things may have a short term negative impact-such as getting rid of an old bad tradeline if it was your oldest trade line. Something like that would be good long term, as you add positive history.