@Anonymous wrote:
There’s a statement on there that says “The FICO score will not allow an item that is actively being disputed to harm your score.”
Which means, that my Fico should have remained where it was considering I had a previously reported 0 balance as it is now.
The statement doesn't mean that your score will remain the same or go up. It means that the disputed account will not be factored in (it will not harm and it will not help). If the account provides positive benefit to your credit then you won't see that benefit as long as the account is in dispute so yes, your score can drop. No sense in worrying until the dispute is resolved and your reports update.
