Established Member
SquirrelParty
Posts: 17
Registered: ‎12-03-2012
Questions about how FICO scores disputes

Does anyone know how FICO reacts to the following,

 

1. Experian and Equifax show recent lates on mortgage, but Trans Union does not.

Does this inconsistency weigh on my Equifax FICO, or is the only thing they look at is equifax?

 

2. I dispute the mortgage lates on equifax and experian - TU still current.  So now Ex and Eq show "item in dispute".

Any change to FICO score from filing the dispute?

 

3.  Lets say both disputes get resolved to remove the lates on EQ and EX.  I assume removing lates will increase my credit score, but by how much, since TU never showed these as lates?

 

I will find out in a month but wondering if anybody here has been throught this

thanks!