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Sudden Drop in Equifax Score?
I disputed a charge that was taken off my account which was reported to the bureau as late for 2 yrs and lowered my ontime payment report. Now my payments are at $100 but my score dropped 21 points. How the heck does this system work? You think it would only go down due to negative things. It also says my oldest account is only 2 months old yet I've been paying student loans on time for 3 years and recently had them consolidated 2 months ago. I don't see how that closes and opens it as a brand new account? This is all crap I think.

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