Ever dispute something you thought was bad and it was helping?

[Anonymous]

I am having dispute second thoughts now. My installment reported as revolving. While it seemed like a great idea changing term-rev to term-install would help, I'm thinking maybe not in this case since it was a unique tradeline. UTL is not a factor on this one. I will post effects after dispute update. Lets find out if I was right?

Would you like to share your "OOPS DISPUTES, I shouldn't have done that stories.

[Anonymous]

If util does not matter it should not lower your score but may improve it due to improved credit mix if you do not already have a install loan.

[Anonymous]

Forgot to add. I have many revolving and installments already. This account was different as it was a term revolving. I disputed it as a fixed installment. And it might just be black and white... Installment or Revolving and fixed or term doesn't matter. I'll find out next week.