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@Anonymous wrote:
I am wanting to dispute some issues with my credit reports but i worry it may drop my score if it is verified. Is this possible?
Mine never did.
If it was already there on your CR, I don't see how it could.
@Anonymous wrote:
I am wanting to dispute some issues with my credit reports but i worry it may drop my score if it is verified. Is this possible?
Depends on what is being disputed. Disputes only impact OC accounts as the balance, CL, and payment history are removed from scoring for as long as the dispute comment shows. This can cause the score to go up or down, depending on the TL and how that TL reports.
Post-dispute, disputing OCs or CAs can cause your score to fluctuate in some situations. Sometimes the baddie will update with added lates. Sometimes the DOLA or date reported can update and that can cause problems (mainly TU). Sometimes they can decide to report to all 3 when they only reported to 1 or 2. Finally, you might find a situation whereby an older CO deletes or a late dispute on an otherwise good, old account which could result in a deletion, both scenarios of which can cause a score drop if the account is older.
@Anonymous wrote:
My reasons for wanting to be so careful is that my mortgage broker told me that around july i should qualify for a mortgage. I just need my accounts to be at least 12understand months old. July they will be 12 months old. So if i can get these things removed i could bring my score a little higher and get a better interest rate. The accounts i am wanting to disbute are about 2 to 3 years old and are paid off....i am just worried if i dispute with bureaus and it is verified that it could hurt my score. Is it possible and should i worry?
Certainly it is OK to dispute if inaccurate, and be sure to provide info backing the claim, but, IMO, try working directly with the OC/CA/PR/whatever first. And give yourself beyond July if need be.