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Valued Contributor
Posts: 2,798
Registered: ‎09-26-2011
0

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?

Current Scores: EX: 640, TU08: 636, EQ: No idea. 01/31/2016. Last App: 01/01/16.

Zero percent financing is where the devil lives...
Moderator Emeritus
Posts: 13,356
Registered: ‎12-30-2011
0

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 04 561, TU 98 567, EX 98 599 (12/30/11)
Current Score: EQ 04 700, TU 04 731, EX 98 725 (05/24/15)
Goal Score: 700 on EQ 04 (01/01/16)


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Frequent Contributor
Posts: 360
Registered: ‎02-20-2008
0

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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