Re: FICO and Disputes
01-11-2012 08:04 PM
When you dispute an account on a credit report, does FICO include that account in the calculation of your score when a new creditor pulls your credit?
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.
From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782
"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".
So if you dispute an incorrect balance, does FICO ignore only the balance on that account, or does it ignore the entire account?
"I will walk by faith, even when I cannot see. Because this broken road prepares your will for me." - Jeremy Camp