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Are the bills listed under "collections" on the credit report? It is my understanding that a dispute for a collection does not affect the score, only if it is an original creditor.
Is there something else that changed as well?
That doesn't seem right to me.
A dispute can drop your score. For example, if you dispute the oldest account on your report, that account is kind of "invisible" for scoring purposes. And while the account is invisible, it is no longer your oldest account and your length of history and AAoA dropped. Another example could be you dispute an account with a cl of $30,000. While disputed you lose this available limit and that could wreak havoc on your UTIL.
I don't think I've heard or read that disputing collections can lower your score, hopefully someone else can add to that.
To the OP, a dispute has no impact on your FICO if that dispute was with a CA or PR. Since this was a medical CA, a dispute wouldn't have resulted in a loss due to that specific TL. Now if other items were disputed, like within an OC account, then that's different. Also, once verified or updated, sometimes the CA can update in a way that could possibly hurt. It depends on what changes. OP, I would check for other items that could have changed, like a baddie updating, change in CC util, dropped accounts, added accounts, etc.
@kjm79 wrote:A dispute can drop your score. For example, if you dispute the oldest account on your report, that account is kind of "invisible" for scoring purposes. And while the account is invisible, it is no longer your oldest account and your length of history and AAoA dropped. Another example could be you dispute an account with a cl of $30,000. While disputed you lose this available limit and that could wreak havoc on your UTIL.
I don't think I've heard or read that disputing collections can lower your score, hopefully someone else can add to that.
Close. A dispute only removes certain aspects of an OC account, like the payment history, but will continue to score the OC's length of history, your mix of credit, your AAoA, scoring bucket, etc.
@llecs wrote:
Close. A dispute only removes certain aspects of an OC account, like the payment history, but will continue to score the OC's length of history, your mix of credit, your AAoA, scoring bucket, etc.
Oh! That's good to know. Thanks for the clarification.