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FICO and Disputes

Frequent Contributor

FICO and Disputes

When you dispute an account on a credit report, does FICO include that account in the calculation of your score when a new creditor pulls your credit?

“Faith is taking the first step even when you don’t see the whole staircase.”
6 REPLIES
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Moderator Emeritus

Re: FICO and Disputes


Cotton_Britches wrote:

When you dispute an account on a credit report, does FICO include that account in the calculation of your score when a new creditor pulls your credit?


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, credit mix, account age, etc. including CAs and PRs are not removed or impacted by a dispute.

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Regular Contributor

Re: FICO and Disputes

So if you dispute a Ca on your credit it will stay in the fico scoring? It only pulls it out of scoring if you dispute the OC? Am I understanding correctly?

Starting Score: myFico Scores Equifax 544 Transunion 585
Current Score: myFico Scores Equifax 655 Transunion 663 Experian 645
Goal Score: 700 Across the board


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Moderator Emeritus

Re: FICO and Disputes

Yep...PRs are also not excluded along with CAs.

Frequent Contributor

Re: FICO and Disputes


MarineVietVet wrote:

Cotton_Britches wrote:

When you dispute an account on a credit report, does FICO include that account in the calculation of your score when a new creditor pulls your credit?


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, credit mix, account age, etc. including CAs and PRs are not removed or impacted by a dispute.

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".


So if you dispute an incorrect balance, does FICO ignore only the balance on that account, or does it ignore the entire account?

“Faith is taking the first step even when you don’t see the whole staircase.”
Moderator Emeritus

Re: FICO and Disputes


Cotton_Britches wrote:
 

So if you dispute an incorrect balance, does FICO ignore only the balance on that account, or does it ignore the entire account?


It's my understanding (could be wrong) that no matter what the dispute is specifically about the same items are removed from scoring - the balance, the CL, and the payment history.

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Community Leader
Epic Contributor

Re: FICO and Disputes

+1

The CRAs only provide one code for indicating the presence of a pending dispute under the FCRA.

Thus, FICO has no way of differentiating the specific item under dispute.