Dispute w/ Transaction on my Discover It Card - Possible CR Score Frozen?

[Nolan34]

Good Morning -  I have done alot of ereading on these forums and notice some members saying their CR and/or score was frozen/.

Here is my problem which could possibly led to this (or not)

I disputed a transaction on my Discoveer It card. The process began with them and they placed a temprary credit on my account. About a month later the investation was completed.

In the meantime, I watch my credit report with the myfico app and i noticed a change on my Discover Card.

"Account in dispute-reported by subscriber"

Will this message on my CR cause my score to freeze?

Since this dispute, I got a $15K LOC fron NFCU (HP) & $2K Overstock account (SCT)

With the hard pull or recent balance changes, my credit scores have not moved one bit.

Any help would be great

[takeshi74]

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@mdieter1982 wrote:

I have done alot of ereading on these forums and notice some members saying their CR and/or score was frozen/.

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Not the same thing.  Freezing prevents creditors without an existing relationship from pulling one's reports.  See also:

https://www.experian.com/consumer/security_freeze.html

http://www.transunion.com/securityfreeze

http://www.equifax.com/help/credit-freeze/en_cp

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@mdieter1982 wrote:

In the meantime, I watch my credit report with the myfico app and i noticed a change on my Discover Card.

"Account in dispute-reported by subscriber"

Will this message on my CR cause my score to freeze?

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That's standard for disputes and will not freeze your reports.  You have to initiate a freeze on your reports.

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@mdieter1982 wrote:

Will this message on my CR cause my score to freeze?

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Freeze in the context of credit has the definition I mentioned above.  A dispute won't prevent your scores from updating but an account in dispute may not be factored into your credit score while your dispute is in progress.  Additionally, you also need to keep in mind that myFICO only updates your scores based on certain triggers.

http://myfico.custhelp.com/app/answers/detail/a_id/463/~/understanding-what-triggers-fico%C2%AE-3-bu...