Score Not Moving & Credit Discrepancy Scripts

Score Not Moving & Credit Discrepancy Scripts

2.1 — Score Not Moving / Credit Factors Explanation

Hi {{contact.first_name}}, thanks for reaching out. Last round, we were able to remove [X] negative items and update [X] to positive, bringing the total to [X] negative items removed to date. When this happens, generally, we expect the score to go up. However, other factors affect your score. Credit utilization in particular is 30% of how your score is computed, and your [card name] was showing at maxed out. We recommend keeping utilization at 30% for best results.

2.2 — Why Infrequent Updates? (30-35 Day Cycle)

Credit Karma typically updates more frequently, sometimes weekly or even daily, depending on bureau activity. On our end, we update your report through MyFreeScoreNow every 30 to 35 days. This timing allows us to wait until disputes are fully processed, since scores can fluctuate during that period. By the time we pull your updated report, it reflects the most accurate and complete results from the round.

2.3 — Credit Karma vs. MyFreeScoreNow Discrepancy

Great question! Credit Karma uses VantageScore, while MyFreeScoreNow provides your FICO score — the industry standard that lenders actually use. These two scoring models weigh factors differently, which is why you may see different numbers. The scores we track for your progress are your FICO scores through MyFreeScoreNow, as those are the most relevant for your goals. What matters most is that we continue removing negative items, which improves both scores over time.

2.4 — Late Payments Not Being Removed (Open Accounts)

Just to keep you informed, we are continuing to work diligently on the removal of the late payments on your accounts. Late payments tied to open and active accounts, like yours, are among the most complex items to address, as they are often verified more rigorously by the creditors. That said, while the process may take some time, it does not mean removal isn't possible. It simply requires a bit more persistence and strategy. Please rest assured that this remains a priority on our end, and we'll keep you updated every step of the way.

2.5 — Late Payments Not Being Removed (Closed Accounts)

Just to keep you informed, we are continuing to work diligently on the removal of the late payments on your accounts. Late payments are among the most complex items to address, as they are often verified more rigorously by the creditors. That said, while the process may take some time, it does not mean removal isn't possible. It simply requires a bit more persistence and strategy.

2.6 — Score Going Down

We understand how concerning sudden score changes can be. At this stage, we'll need to wait for your next updated credit report to fully verify what happened. Sometimes scores can temporarily fluctuate during the dispute process, but we'll have a clearer picture once the results from this round come in. In the meantime, please avoid applying for any new credit, keep card utilization below 30%, and make all payments on time. These factors can significantly impact your score.

2.7 — "Does the removal stay permanent?"

Generally, the removals are permanent as long as the bureaus do not receive new information that would reinsert the account. For example, if a creditor verifies the debt and resubmits it, there's a chance it could reappear. That said, we monitor your file and would address any reinsertions during our ongoing dispute rounds.

2.8 — Identity Theft Letter (Client Received Mail)

Hi {{contact.first_name}}, I understand the wording in the letter might sound concerning, but please rest assured as this is part of our dispute strategy and is completely normal. We advise you not to respond to this and just keep it for your records. This does not mean you've actually been a victim of identity theft, and it will not negatively affect you in any way. It simply means they're requesting more documentation before they respond to our dispute. We'll continue to handle this process for you and keep you updated.

2.9 — "Isn't Upfront Repair Fee Illegal?"

The first-work fee is for services that we complete immediately, including consultation, credit analysis, onboarding work, and dispute strategy preparation. Since this work is performed up front, the fee is for completed services — which is allowed under NCGS §66-223. We are also bonded by Hudson Insurance Company, which provides additional consumer protection. You're in good hands.