topic Re: How do disputes affect credit reports/ cc apps in General Credit Topics

How do disputes affect credit reports/ cc apps

Wrigley2172 — Thu, 18 Apr 2019 02:33:35 GMT

Hi all
I currently have a dispute open with all 3 CRA's about a 30 day late that does not exist "Discover confirmed no late in system and opened dispute on my behalf" and I am currently waiting the result and hopeful removal from my reports.

This is my first encounter with disputes "22 years old" and I am not sure how the whole process after the decison. Do disputes show up when companies pull CR for apps? I am planning to app for AMEX BCE in the next month or two after dispute is settled and just looking for guidance.
DP's:
22 year old college student
12k income
Discover gas/food card 3k CL- only credit card
No installments
AU on dad cap1 card
Fico8 scores 760-765 all three CRA's from experian total check free trial on 4/9/19

Re: How do disputes affect credit reports/ cc apps

Wrigley2172 — Thu, 18 Apr 2019 03:31:27 GMT

Apologies mods/people here didn't mean to start thread on almost same topic, should have just bumped my OP, this is the last time i promise lol

Re: How do disputes affect credit reports/ cc apps

Remedios — Thu, 18 Apr 2019 15:42:00 GMT

If the late gets removed, it will be like it never happened. Once dispute is completed, notation "account in dispute" is removed.

Re: How do disputes affect credit reports/ cc apps

Wrigley2172 — Thu, 18 Apr 2019 15:47:37 GMT

Ah ok I see. I had thought that was how it worked but I wasent sure if there was something extra along with it like a record kept that a dispute was open ect. Thank you Remedios

Re: How do disputes affect credit reports/ cc apps

Remedios — Thu, 18 Apr 2019 18:40:15 GMT

Welcome

Re: How do disputes affect credit reports/ cc apps

Wrigley2172 — Tue, 30 Apr 2019 05:54:10 GMT

Just found out Discover decided to confirm their decison on the late the dispute is not going in my favor. Rather confused about the whole thing but I suppose no harm done I'm still in the same boat. I suppose I shouldnt have said no baddies in our posts earlier Remedios haha I was jumpin the gun. 4 more years till it ages off then oh well