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credit score while disputing

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reneasworld
Regular Contributor

credit score while disputing

Does your credit score increase sometimes while you are disputing an item (particularly equifax but was wondering for all three). It seems that Equifax will not consider those items while it's under review in regards to score and if it deletes, great but if they state valid then it goes back down. Is it just me? I am dealing with some old medicals.

Starting Scores (5/2014): EQ 569, TU 601, EX 589
Current Scores (07/08/2015): EQ 640, TU 640, EX 654
Goal (12/2015): 700 across the board
Message 1 of 5
4 REPLIES 4
MarineVietVet
Moderator Emeritus

Re: credit score while disputing


@reneasworld wrote:

Does your credit score increase sometimes while you are disputing an item (particularly equifax but was wondering for all three). It seems that Equifax will not consider those items while it's under review in regards to score and if it deletes, great but if they state valid then it goes back down. Is it just me? I am dealing with some old medicals.



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.

 

So yes scores can increase while a dispute runs it's course.

Message 2 of 5
reneasworld
Regular Contributor

Re: credit score while disputing

Thanks. Is that for all three bureaus?

Starting Scores (5/2014): EQ 569, TU 601, EX 589
Current Scores (07/08/2015): EQ 640, TU 640, EX 654
Goal (12/2015): 700 across the board
Message 3 of 5
myjourney
Super Contributor

Re: credit score while disputing

Yes this includes any of the 3 that you file a dispute with 

However be aware that if the dispute comes back as verified your scores would then return to the previous levels 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 4 of 5
reneasworld
Regular Contributor

Re: credit score while disputing


@myjourney wrote:

Yes this includes any of the 3 that you file a dispute with 

However be aware that if the dispute comes back as verified your scores would then return to the previous levels 


Thanks, I just wanted to make sure I understood the fluctuations. 

Starting Scores (5/2014): EQ 569, TU 601, EX 589
Current Scores (07/08/2015): EQ 640, TU 640, EX 654
Goal (12/2015): 700 across the board
Message 5 of 5
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