https://ficoforums.myfico.com/t5/General-Credit-Topics/Effects-of-disputing-accounts/m-p/98428#M55675 Not a huge risk in disputing negative accounts-<BR />If the reporting dates update and it is verified you score will drop a bit.<BR /><BR />May want to pull from annualcreditreort.com or directly from the cra to get a full report.<BR /><BR /><BR /><BLOCKQUOTE><HR />@Anonymous wrote:<BR /><DIV>I filed bankruptcy about 3 and half years ago, I never pulled my credit report since then. Some of the accounts are so old I don't remember them, can someone tell me what the ramifications would be if I dispute some of the accounts that I really can't remember? There are some accounts that I believe were my wife's medical charges, some look like they have been listed multiple times and some I just don't honestly know if they are mine. Unfortunately it is so hard to tell because you don't get the full account numbers and some of the names are different.</DIV><DIV></DIV><DIV>I am not trying to get something removed if it is legitimate, I really don't know. My question is if I dispute some of these items and it comes back as verified, can it lower my score?</DIV><DIV></DIV><DIV>Thanks all,</DIV><DIV>Rick</DIV><BR /><HR /></BLOCKQUOTE><BR /> Fri, 16 Nov 2007 02:06:16 GMT Anonymous 2007-11-16T02:06:16Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Effects-of-disputing-accounts/m-p/98400#M55667 <DIV>I filed bankruptcy about 3 and half years ago, I never pulled my credit report since then. Some of the accounts are so old I don't remember them, can someone tell me what the ramifications would be if I dispute some of the accounts that I really can't remember? There are some accounts that I believe were my wife's medical charges, some look like they have been listed multiple times and some I just don't honestly know if they are mine. Unfortunately it is so hard to tell because you don't get the full account numbers and some of the names are different.&nbsp;</DIV><DIV>&nbsp;</DIV><DIV>I am not trying to get something removed if it is legitimate, I really don't know. My question is if I dispute some of these items and it comes back as verified, can it lower my score?</DIV><DIV>&nbsp;</DIV><DIV>Thanks all,</DIV><DIV>Rick</DIV> Fri, 16 Nov 2007 01:12:33 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Effects-of-disputing-accounts/m-p/98400#M55667 Anonymous 2007-11-16T01:12:33Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Effects-of-disputing-accounts/m-p/98428#M55675 Not a huge risk in disputing negative accounts-<BR />If the reporting dates update and it is verified you score will drop a bit.<BR /><BR />May want to pull from annualcreditreort.com or directly from the cra to get a full report.<BR /><BR /><BR /><BLOCKQUOTE><HR />@Anonymous wrote:<BR /><DIV>I filed bankruptcy about 3 and half years ago, I never pulled my credit report since then. Some of the accounts are so old I don't remember them, can someone tell me what the ramifications would be if I dispute some of the accounts that I really can't remember? There are some accounts that I believe were my wife's medical charges, some look like they have been listed multiple times and some I just don't honestly know if they are mine. Unfortunately it is so hard to tell because you don't get the full account numbers and some of the names are different.</DIV><DIV></DIV><DIV>I am not trying to get something removed if it is legitimate, I really don't know. My question is if I dispute some of these items and it comes back as verified, can it lower my score?</DIV><DIV></DIV><DIV>Thanks all,</DIV><DIV>Rick</DIV><BR /><HR /></BLOCKQUOTE><BR /> Fri, 16 Nov 2007 02:06:16 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Effects-of-disputing-accounts/m-p/98428#M55675 Anonymous 2007-11-16T02:06:16Z