That is not entirely true.. Collections and public records never receive different treatment when in dispute. And there are still some items that are factored on normal (non-derog) accounts that are in dispute.
I messed up. My Equifax is now 100% accurate- I am now waiting for the MYFICO alert that me score has dropped. I refuted a late on an old mortgage account. They verified it, added an additional late. I am going to be busting out a bunch of GW's for several accounts. I want to let people know that when an item is in refute, it is not calculated in your FICO score. The only good news is that I added a TL during the refute.
Noah_Bodie wrote:Did the old creditor cash the check on time but send the money on late? If so, then I think you have grounds to show it was never late. I'd dispute it as never late.