Why is it so bad to have dispute comments on your report? Why are lenders so against it? It just feels like we're being punished for our "right" to dispute.
The reason is because when it is an OC account, certain aspects of the TL are removed from scoring and it can significantly change your score. If you get a 100 point increase due to a dispute, that is not your real score. They want to see what your score is with everything included.