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Just started monitoring my credit score/report using free service Credit Sesame. They also have some great blog articles, like the one below that answered my question as to whether I can dispute my credit score:
http://www.creditsesame.com/blog/can-i-dispute-my-credit-score/
What are your thoughts?
No, you cannot dispute your credit scores. Sites like Credit Sesame, Credit Secure and Credit Karma are good for monitoring your reports. Disregard the credit scores at those site, they're nothing more than "educational scores". Lenders don't use them. This what I would:
1. Use the above-captioned sites for monitoring only.
2. Worry about your FICO Scores. Yeah, I know there's lots of them.
3. If your rebuilding and repairing your credit, this site will help you a lot.
You can dispute information on you credit report but not your credit score. Your CR may contain erroneous information and it is usally to your advantage to have this information corrected. This MAY impact your actual credit score depending on what the misinformation actually is.
No. It's important to keep in mind that a credit score, like FICO, is nothing more than an automated assesment and summary of information contained in any given credit report. That assesment assigns a point value to various elements of your credit report information.
A score is just a number!
Maybe I'm still a newbie, but to me, the impression is that I should work on keeping my credit reports looking good (no baddies/derogs) more than worry about my score. If I have a clean report, shouldn't my score go up in time anyway as accounts age? I know that's the biggest negative with my score and time will solve that. I'm just focused on being responsible and waiting.
@Callandra wrote:A score is just a number!
Maybe I'm still a newbie, but to me, the impression is that I should work on keeping my credit reports looking good (no baddies/derogs) more than worry about my score. If I have a clean report, shouldn't my score go up in time anyway as accounts age? I know that's the biggest negative with my score and time will solve that. I'm just focused on being responsible and waiting.
You are spot on with your comment
Without knowing the algorithm what would be the basis for the dispute? As your link indicates, you can dispute information in your reports which scores are based on but not the scores themselves. I always recommend focusing on the data in the reports versus the specific numbers. Good reports will lead to good scores.