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Asked for disputes to be removed...Fico movement?

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awdsmama
Established Contributor

Asked for disputes to be removed...Fico movement?

A few months ago I had disputed 2 charged off accounts listed as Cap1 on my reports, not realizing they were chargeoffs from HSBC....in my defense they are old accounts (reporting 0 bal) and I'd had a beer or two -- do NOT mix disputes and alcohol haha.  It didn't even dawn on me that the HSB had switched over haha.

 

Anyhow.....I just sent in requests to remove the dispute comments from the 2 HSBC accounts.

 

Wonder what, if anything, this will do to my Ficos....

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Message 1 of 8
7 REPLIES 7
myjourney
Super Contributor

Re: Asked for disputes to be removed...Fico movement?

I had a HBSC removed in a day don't think they have the staff right now in transition to investigate....and NO DRAPPING either ha ha


@awdsmama wrote:

A few months ago I had disputed 2 charged off accounts listed as Cap1 on my reports, not realizing they were chargeoffs from HSBC....in my defense they are old accounts (reporting 0 bal) and I'd had a beer or two -- do NOT mix disputes and alcohol haha.  It didn't even dawn on me that the HSB had switched over haha.

 

Anyhow.....I just sent in requests to remove the dispute comments from the 2 HSBC accounts.

 

Wonder what, if anything, this will do to my Ficos....


 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 2 of 8
awdsmama
Established Contributor

Re: Asked for disputes to be removed...Fico movement?

I know better now, no drapping for sure! 

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Message 3 of 8
DaBears
Senior Contributor

Re: Asked for disputes to be removed...Fico movement?


@awdsmama wrote:

A few months ago I had disputed 2 charged off accounts listed as Cap1 on my reports, not realizing they were chargeoffs from HSBC....in my defense they are old accounts (reporting 0 bal) and I'd had a beer or two -- do NOT mix disputes and alcohol haha.  It didn't even dawn on me that the HSB had switched over haha.

 

Anyhow.....I just sent in requests to remove the dispute comments from the 2 HSBC accounts.

 

Wonder what, if anything, this will do to my Ficos....


Disputes have no affect on your scores!!!!

Message 4 of 8
awdsmama
Established Contributor

Re: Asked for disputes to be removed...Fico movement?


@DaBears wrote:

@awdsmama wrote:

A few months ago I had disputed 2 charged off accounts listed as Cap1 on my reports, not realizing they were chargeoffs from HSBC....in my defense they are old accounts (reporting 0 bal) and I'd had a beer or two -- do NOT mix disputes and alcohol haha.  It didn't even dawn on me that the HSB had switched over haha.

 

Anyhow.....I just sent in requests to remove the dispute comments from the 2 HSBC accounts.

 

Wonder what, if anything, this will do to my Ficos....


Disputes have no affect on your scores!!!!


oh...I thought I read on here they *could* affect your scores but it depended on the type of account it was.  

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Message 5 of 8
myjourney
Super Contributor

Re: Asked for disputes to be removed...Fico movement?


@awdsmama wrote:

I know better now, no drapping for sure! 


Lol I have to get back to the garden thirstySmiley Wink

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 6 of 8
awdsmama
Established Contributor

Re: Asked for disputes to be removed...Fico movement?


@myjourney wrote:

@awdsmama wrote:

I know better now, no drapping for sure! 


Lol I have to get back to the garden thirstySmiley Wink


I don't think you go to the garden because you have "the itch" but rather you are a lush ;-)  hahahaha!

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Message 7 of 8
DaBears
Senior Contributor

Re: Asked for disputes to be removed...Fico movement?

My scores have never went up or down when disputing a TL. 

Message 8 of 8
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