04-07-2012 02:47 PM
04-07-2012 03:53 PM
Hi guys!!! This morning I recieved a score watch alert, My score went up 20 points. It shows 1 account for BOA that I disputed last month and another account that has said "consumer disputes" for months now. Is this just a temporary increase? Until its no longer in dispute?
Unfortunately (or fortunately depending on how you look at it), portions of an OC account under dispute will not be scored by FICO. Among these are the balance, the CL, and the payment history. Other items like AAoA, scoring bucket, mix of credit, acct age, etc. including CAs and PRs, are not removed or impacted by a dispute.
So you won't really know anything for sure until the dispute is resolved.
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