given credit increase while having disputed item

[Anonymous]

In August I disputed 2 items in my credit report. It was resolved but not changed in Sept, but the 'customer disputes...' memo is still on my report even as of today 1 Nov. During that time my scores have also increased 75+ points, I'm guessing because the disputed items were (are) ignored. 

That being said, my question: I was just given a huge credit increase (8x the old limit) which puts me into the 5 figure area. How is this possible?

[Anonymous]

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@Anonymous wrote:

In August I disputed 2 items in my credit report. It was resolved but not changed in Sept, but the 'customer disputes...' memo is still on my report even as of today 1 Nov. During that time my scores have also increased 75+ points, I'm guessing because the disputed items were (are) ignored. 

That being said, my question: I was just given a huge credit increase (8x the old limit) which puts me into the 5 figure area. How is this possible?

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Was it a manual review or a computer increase? A computer tends to overlook that unless it's specifically programmed to look for disputed items.

[Anonymous]

Computer increase.

[Anonymous]

I guess a follow up question: if the score changes again (e.g. decreases) when/if the dispute stuff drops off, does that often trigger a credit limit decrease thereafter?

[Anonymous]

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@Anonymous wrote:

I guess a follow up question: if the score changes again (e.g. decreases) when/if the dispute stuff drops off, does that often trigger a credit limit decrease thereafter?

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Not usually but high utilization will.

[mountainmom]

This is simply a notation, showing that you have disputed this account. It doesn't affect your score. You could have them add "I like bunnies and clowns" and it wouldn't change anything. Your score doesn't see it, but it could raise questions on manual review.

[Anonymous]

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@mountainmom wrote:

This is simply a notation, showing that you have disputed this account. It doesn't affect your score. You could have them add "I like bunnies and clowns" and it wouldn't change anything. Your score doesn't see it, but it could raise questions on manual review.

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I like that

[Anonymous]

Hmm. The score increase happened shortly after the dispute, but you're saying that the disputed items wouldn't affect the score?

[MarineVietVet]

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@Anonymous wrote:

Hmm. The score increase happened shortly after the dispute, but you're saying that the disputed items wouldn't affect the score?

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Welcome to the forums.

Disputes can definitely affect your score.

Portions of an OC account under dispute will not be scored by FICO. Among these are the balance, the CL, and the payment history. Other items like AAoA, scoring bucket, credit mix, account age, etc. including CA's and PR's are not removed or impacted by a dispute.

[Anonymous]

Thanks for all the replies. So basically as I understand it, the dispute being for payment history basically now has bumped my score somewhat artificially, and in the interim my CL was increased a ton. Should I expect the reverse if/when the 'disputes info' bit drops off? And, is that removal automatic? It's now been since August since this started.