Comment added to CBR= huge score drop.

[Anonymous]

With so many plaintiffs attorneys out there. Hey are probably overly sensitive to FCRA and putting disputes on the file. Since as you mention a dispute comment doesn’t get a score, it’s easier to take off then after you e been sued. Well still easy after sued just potentially costly.

[Anonymous]

I disputed something on my experian and got a comment on equifax report for some odd reason. Said it was being disputed and did not affect my score.

[Anonymous]

---

@AnonymousI disputed something on my experian and got a comment on equifax report for some odd reason. Said it was being disputed and did not affect my score.

---

Correct, because comments have no bearing on score.

It's imperative that everyone understand that comments have no impact on scores.  Those that are under the impression that they do simply need to understand the simple fact that alerts and score changes do not need to be related and in this example they definitely aren't ever related.

[Anonymous]

---

@Anonymous

It's imperative that everyone understand that comments have no impact on scores. 

---

While formally correct, I find this statement to be misleading. As far as I know (and please correct me if I'm wrong)  a  comment  like "account information disputed by consumer" can cause   the account in question  to be  excluded from fico scoring.  While the comment itself does not change the fico score,  the exclusion of the account  can effect the fico score. Indeed,  depending on  the account  and the rest of the credit report, the fico score can go up,   go down down or  stay the same. 

Suppose for example your credit report  only has minor baddies and your oldest account  is much older than your other accounts.  If an  "account under dispute" comment is added  to your oldest  account  (and nothing else changes on your report)  your AoOA  will drop and mostly likely  your fico score will  go down.

But if the  "account under dispute"  comment  is added to an account  which does not stand out from the other accounts,  the fico score will stay the same (or only changes a little bit in either direction).

[Anonymous]

Correct, but the bottom line is that comments (words) on your credit report don't impact scores.

It's also important to understand that an account under dispute is not the same thing as a comment stating that the ''consumer disputes account information."  Such a comment can exist when an account is never actually disputed.  I've had at least 3 different accounts suddenly show language in the comment section that "consumer disputes account information..." (one just 5 days ago) and never once have my scores been impacted, meaning that none of the accounts were actually ever disputed/not considered by the FICO algorithm.

[Anonymous]

---

@Anonymous wrote:

It's also important to understand that an account under dispute is not the same thing as a comment stating that the ''consumer disputes account information."  Such a comment can exist when an account is never actually disputed. 

---

Yes, but from what I have been reading,  it  seems that it  is the comment "consumer  disputes account information"  which actually causes  the account to be  (at least partially)  excluded from  fico scoring. So even if the account is not actually disputed, the fico score could change. But I'm not an expert  and all my knowledge comes from myfico.com and other website, and I never know what information I can trust.  So I certainly could  be wrong about this.

---

@Anonymous wrote:

I've had at least 3 different accounts suddenly show language in the comment section that "consumer disputes account information..." (one just 5 days ago) and never once have my scores been impacted, meaning that none of the accounts were actually ever disputed/not considered by the FICO algorithm.

---

This is  strong evidence that you are right.  But if you look at your credit report say  from 5 days ago, would  you   expect  the fico  score  to be different if the account with the  comment were excluded?  Would any of the scoring parmeters (AoOA, AAoA, Utilization, baddies,....) cross any boundaries?

[Anonymous]

---

@Anonymous

This is  strong evidence that you are right.  But if you look at your credit report say  from 5 days ago, would  you   expect  the fico  score  to be different if the account with the  comment were excluded?  Would any of the scoring parmeters (AoOA, AAoA, Utilization, badies,....) cross any boundaries?

---

In my example from 5 days ago, likely not.  I did however have this language appear and then be removed a good half-dozen times on two different dirty accounts during my rebuild.  In those cases, if my only dirty account was being "ignored" by the FICO algorithm due to a simple comment of "consumer disputes account information" I would have seen my scores jump up 70-80 points during the dispute, as that's the gain I saw once the negative information was actually removed from those accounts and my report was clean.

[Anonymous]

---

@AnonymousIn my example from 5 days ago, likely not.  I did however have this language appear and then be removed a good half-dozen times on two different dirty accounts during my rebuild.  In those cases, if my only dirty account was being "ignored" by the FICO algorithm due to a simple comment of "consumer disputes account information" I would have seen my scores jump up 70-80 points during the dispute, as that's the gain I saw once the negative information was actually removed from those accounts and my report was clean.

---

Ok. That  does prove that I was wrong.   But  now  I have a couple of questions. Suppose an account is  actually disputed.

1.  Will the account be ignored by the  Fico algorithm during the dispute ?  Sometimes?  All the time?

2.  Where on the  credit report will it be  indicated  that  an account is actually  under dispute ?

[Anonymous]

Those are great questions, but ones that will need to be answered by someone other than myself.  I've never disputed an account, so I know next to nothing when it comes to the ins and outs of disputes.  All I have ever seen with my reports are dispute "comments" on accounts and can simply verify that such comments don't impact the FICO algorithm at all.  I would be curious to hear from those that have done actual disputes, though.