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Will dispute affect score?

Senior Contributor

Will dispute affect score?

It's a long story, but I have a recurring nightmare that keeps popping up on Equifax.

 

I have NO actual baddies on any of my cr's, but the state of Arizona and Equifax just cannot comminicate information accurately.

 

After having been removed several times, my child-support is now showing up on EQ again.

 

I really wouldn't mind, as it is a valid account, but they simply CANNOT report it accurately.

 

In reality, it is a current account and always has been.  (Both EX and TU manage to report it correctly) 

 

EQ apparently believes that because it is listed as a "child-support" account, it simply MUST be a negative account.  Sometimes, they report it as a collection account.  Sometimes they report missing payments.

 

I have disputed it many times, and they always remove it...but then it comes back with various details changed.

 

Currently, and rather humorously, they are reporting that I was current in July of 2012, 120 days late in August of 2012, and back to current in September of 2012.

 

That's not even possible.

 

(Sorry...got into a rant)

 

I just disputed it again a few minutes ago.  As the only potential negative account on my EQ report, will this dispute help my score any while they're investigating?


Gardening since 10 Jan 2018. Gardening until I hit 700 or 15 April. Whichever comes first. Smiley Tongue
Zero percent financing is where the devil lives...
10/01/17 Fico8 scores: EX 660, EQ 647, TU 663
01/01/18 Fico8 scores: EX 655, EQ 661, TU 650
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Moderator

Re: Will dispute affect score?

Any tradeline in dispute can do squirrly things to one's score.

 

I don't know the full details of it so I can't even attempt to explain what the exact impact is, I'm sure there'll be a better qualified response later.

 

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 741, EX 2 776, EQ 8 809, TU 8 774, EX 8 822 (1/1/18)
Goal Score:    EQ 5 771, TU 4 750, EX 2 776, EQ 8 809, TU 8 774, EX 8 822 (01/01/19)


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Frequent Contributor

Re: Will dispute affect score?

i'm interested in seeing some responses to this as well.  I have a couple old collections with dispute remarks on them that i'll end up removing before i go through mortgage loan.


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