Regarding my fico score.. For the last several months my fico score was XXXX with XXXX late payments reported on my credit bureau report. I disputed all XXXX lates because they were a result of bank error. Recently one of my creditors reversed the late payment reported to the credit bureau file and i now only have XXXX negative trade lines reported to my credit bureau file and as a result my fico score went down to XXXX. So to recap..my fico score was XXXX with XXXX lates reported and experian credit bureau dropped my score to XXXX with XXXX lates reported. So i called experian at XXXX on a authorized recorded phone line to find out why my score was lowered without any furthur negative trade line reported and the rep. Was not able to provide me with an answer at all instead reffered me to callXXXX for furthur assistance but the number is useless to me as it does not provide me with any assistance to my issue at hand. So now i dont know why my fico score was lowered and it deprives me of my rights to dispute the recent decrease of my score and without an explanation. I have a copy of the authorized phone call to experian but am unable to upload it here. Please contact me if you have any questions which i hope you will..its as if its backwards when a negative line gets reported the score lowers. But not when a negative line was removed and instead of XXXX negative lines you now have XXXX and it lowers your score. How does that reflect my financial character and history? Please help..it has placed my plans of applying for a business loan to better my families future on serious hold and i feel like there is nothing i can do. 
