Loans while items in dispute with CRA

[Anonymous]

Should I wait to apply for an auto loan while items are in dispute with CRA's?  I did notice that my score went up a few points once the disputes were filed.  

Thanks

[Anonymous]

Should this go in the auto section?  If so, could a mod pls move it over?

Thanks!

[cartwrna]

This is a good question for auto section. But to chime in, I secured two auto loans while things were in dispute. I used dealer financing.

[Anonymous]

Ah, that's great to know.  Thanks for the reply cart.  Don't know how long my car's gonna hold on.  Was hoping to bump the credit up a little before trying.  

295,000 miles now and making more and more new noises!!!!  I'd say I got my money's worth.  hahaha

[RobertEG]

How long ago did you dispute? 

Disputes have a required resolution period of 30ísh days, so once resolved, just make sure the pending dispute flag is liftrd, and the account will return to normal scoring.

Any wait priod should thus be minimal as long as you pursue lifting of the pending dispute ststus.

[Anonymous]

Should be around the 22nd.  If the car dies before then, I could always "share" the wife's car.  I disputed hoping to get lucky on some early exclusions but I doubt they'll drop.  Will have to keep good willing some other items to try and raise the score.  Fico scores 665, 670, 679.  Joined a credit union a few months back and have direct deposit hitting there, so hoping to get a halfway decent rate.

[cartwrna]

Those scores should yield good rate, my credit union offered me a 3.75% with 640EQ. Make sure your collections/bad debt is paid though. Both CU I use require any debts to be paid.