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Karma And Sesame Against - FICO Score

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Moderator Emeritus

Re: Karma And Sesame Against - FICO Score


Shan922 wrote:

How long can a dispute comment show within the TL after it has been verified?  And why even if it has been verified it is not factored into your FICO?


It's supposed to only be there for 30-45 days, or the max duration of a dispute. However, IME, I've had dispute comments remain much, much longer. For example, I used to send GWs in my repair days. I had a redeemed repo with some lates that I sent a GW to monthly. That creditor kept adding a dispute comment after receiving each letter. They weren't supposed to do that, but each letter renewed the comment and it was perpetually ignored by FICO which I didn't mind at all.

 

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