When disputes are placed on accounts, certain aspects of that account are no longer figured into your scores until the dispute is completed. This is the reason most mortgage lenders require that dispute be removed before the loan is granted. It allows them to see the whole picture.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.