Beware of the Dispute

[Countingpennies]

I've had it go both ways, dispute somethng and score goes up during dispute, or down. Also, I have noticed TU and EQ both go back to where they were, or higher if the dispute is in my favor, but it sometimes takes a few days. EX never goes back to where it was pre-dispute. It takes something else outside of the disputed account to get it back up again, like a CLI, etc.

[guiness56]

---

@checkach wrote:
I disputed an incorrect charge (merchant, not card had wrong amount). My score dropped and didn't recover completely, even though it wasn't a dispute with credit reporting agency. I also had a 740 credit score, and lender (without my permission, since I knew better than to dispute anything during process of obtaining a mortgage) and my score dropped. It still hasn't completely recovered. I don't care what anyone says, opening a dispute does lower your score.

---

That is the way it works.  If you dispute something with the CCC, they will notify the CRAs there is something about the TL you dispute.

Yes, a dispute can lower your score.  But only on OC accounts.  CAs and PRs are fully factor in.