topic Disputing and Applying in General Credit Topics

Disputing and Applying

hailey22 — Sun, 17 Jun 2007 16:21:44 GMT

if you are disputing something, does it show up on your report if you apply for something else? i read somewhere that while disputing, the information in dispute is temporarily deleted.. just wondering if it is true or not.

Re: Disputing and Applying

Anonymous — Sun, 17 Jun 2007 17:15:11 GMT

I have been in the process of disputing several items on my CR. I just purchased all three credit reports from MyFico today to check my updated scores and to see what has been updated. There wasn't anything about any disputes on any of the reports.

Re: Disputing and Applying

Anonymous — Sun, 17 Jun 2007 17:32:01 GMT

I just got a score watch update and the score dropped 6 points and when uou looked at the deatils of the new alert it said customer disputes. so who knows

Re: Disputing and Applying

Tuscani — Sun, 17 Jun 2007 19:31:52 GMT

The information is not deleted.. However, there are some things FICO will not calculate while in dispute. Does that mean you should dispute in hopes of increasing your score? NO! This could easily backfire.

Re: Disputing and Applying

2anewu — Sun, 17 Jun 2007 19:45:40 GMT

So is it okay to apply for credit while you have disputes or should you just wait? I have two items being disputed and also heard that you should not apply while disputing.

Re: Disputing and Applying

Tuscani — Sun, 17 Jun 2007 19:47:39 GMT

2anewu wrote:

So is it okay to apply for credit while you have disputes or should you just wait? I have two items being disputed and also heard that you should not apply while disputing.

You can, but I would wait if you think the infomation that might be delete\updated will increase your score.