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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?


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
04/01/18 Fico8 scores: EX 637, EQ 630, TU 644 ow!
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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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