Disputes do not automatically lower your credit score. It all depends on how those accounts that are being disputed fall into the total mix. If those accounts are paramount enough to lessen the age of your credit or increase your Utilization Factor or shorten your total months of good payment history, it could in fact lower your credit score. But if the reverse is true then those accountsa could in fact raise your credit score. When you dispute, the CRA's place it in a status of "under review" for 30 days. WHile in that status, the credit score will not reflect its impact. However, after 30 days the disputed item will be removed, corrected, or updated and the "under review status" will be removed.