Not a huge risk in disputing negative accounts-
If the reporting dates update and it is verified you score will drop a bit.
May want to pull from annualcreditreort.com or directly from the cra to get a full report.
@oldschool wrote:
I filed bankruptcy about 3 and half years ago, I never pulled my credit report since then. Some of the accounts are so old I don't remember them, can someone tell me what the ramifications would be if I dispute some of the accounts that I really can't remember? There are some accounts that I believe were my wife's medical charges, some look like they have been listed multiple times and some I just don't honestly know if they are mine. Unfortunately it is so hard to tell because you don't get the full account numbers and some of the names are different.
I am not trying to get something removed if it is legitimate, I really don't know. My question is if I dispute some of these items and it comes back as verified, can it lower my score?
Thanks all,
Rick
