Disputed CC that is out of SOL and scored DROPPED!?!?!?

[danie86]

I have a cap one card that the first deliquency was July 08, it was sent to collections in Dec 08. SOL in Kansas is 3 years for credit cards so since that was up last month I contacted all three agencies to dispute that this shouldn't be on my account this week. I just got a notice that my score dropped 23 points because my account was "updated". I sent the dispute to the credit agencies and didn't contact Cap One or the collection agency. Anyone know why this is happening??? I was looking forward to a boost not a drop! What did I do wrong??

It was a notification from MyFico Score Watch. It just says "investigation in process"

I mistakenly thought that SOL meant that it would be removed but I am told now that just means they can't come after me for it but it will remain on my account for 7 years. Thought it would be removed. But I don't understand what "update" was made when it clearly says "under investigation". The investigation gave me a drop?! Nothing has been removed or changed per the score watch. I just disputed this LAST NIGHT.

Ahhhh, Help me! lol

[Lian]

When an account is flagged as being under an FCRA dispute, most information on the account is suspended from FICO scoring until the dispute is concluded. Scores can go up or down.

During the processing of a dispute, you cant rely upon FICO scoring. It will all return when the dispute is concluded.