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I an considering sending a 623 Dispute to a collection agency. Does a 623 dispute affect your credit score or is the credit score only affected when you dispute with the credit bureaus?
Thanks in Advance!
It depends upon whether the furnisher reports the dispute to the CRA.
When a furnisher receives a direct dispute, the CRAs are unaware of and not part of the process unless the furnisher specifically notifies the CRA that you have a pending dispue with them.
If they do post their dispute with a CRA, make sure to check after the dispute is concluded to make sure they follow up by reporting that the dispute has been concluded.