Some of the CRA's will temporarily omit accounts in dispute depending on the nature of the dispute, the type of account in dispute and level of cooperation from the reporting CA they receive. I would say yes, it is potentially possible someone could have better approval odds if a dispute item is temporarily removed at the home of app.
However:
. You'd have to hope ALL collections are omitted and not just some. 5 collections showing instead of 6 won't help
. You'd have to hope all CRA's reporting the accounts temporarily omitted decide to do so and or that the lender you app only pulls a bureau that did remove the disputed items. If they pull EQ and it's clean but your TU is dirty and they backup pull them you'll have problems.
Honestly it's not worth it at all. Even if all these conditions are met, there's nothing to stop the lender from subsequently closing the new card you were able to sneak in during a dispute as soon as the accounts are re-inserted into your reports after the investigation/dispute is completed and your scores/profiles tank as a result. Add in the odds that you're much more likely to have a "consumer disputes account - investigation in progress" comment added to a collection on your report than having it temporarily disappear and it's a losing bet.
There are options you can take while waiting for paid collections to drop. Goodwill campaigns, HIPPA and others. Are they medical collections, charge offs, retail or what?
