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How do disputes affect credit reports/ cc apps

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Regular Contributor

How do disputes affect credit reports/ cc apps

Hi all
I currently have a dispute open with all 3 CRA's about a 30 day late that does not exist "Discover confirmed no late in system and opened dispute on my behalf" and I am currently waiting the result and hopeful removal from my reports.

This is my first encounter with disputes "22 years old" and I am not sure how the whole process after the decison. Do disputes show up when companies pull CR for apps? I am planning to app for AMEX BCE in the next month or two after dispute is settled and just looking for guidance.
DP's:
22 year old college student
12k income
Discover gas/food card 3k CL- only credit card
No installments
AU on dad cap1 card
Fico8 scores 760-765 all three CRA's from experian total check free trial on 4/9/19

Discover it: 10,700
Amex BCP: 5,000
BCU Cash Rewards: 8,000
23k student loan
Ficos 8's ~790
Inq: EX:3 EQ:1 TU:1
Message 1 of 6
5 REPLIES 5
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Regular Contributor

Re: How do disputes affect credit reports/ cc apps

Apologies mods/people here didn't mean to start thread on almost same topic, should have just bumped my OP, this is the last time i promise lol

Discover it: 10,700
Amex BCP: 5,000
BCU Cash Rewards: 8,000
23k student loan
Ficos 8's ~790
Inq: EX:3 EQ:1 TU:1
Message 2 of 6
Highlighted
Moderator

Re: How do disputes affect credit reports/ cc apps

If the late gets removed, it will be like it never happened. Once dispute is completed, notation  "account in dispute" is removed. 

Message 3 of 6
Highlighted
Regular Contributor

Re: How do disputes affect credit reports/ cc apps

Ah ok I see. I had thought that was how it worked but I wasent sure if there was something extra along with it like a record kept that a dispute was open ect. Thank you Remedios

Discover it: 10,700
Amex BCP: 5,000
BCU Cash Rewards: 8,000
23k student loan
Ficos 8's ~790
Inq: EX:3 EQ:1 TU:1
Message 4 of 6
Highlighted
Moderator

Re: How do disputes affect credit reports/ cc apps

Welcome 

Message 5 of 6
Highlighted
Regular Contributor

Re: How do disputes affect credit reports/ cc apps

Just found out Discover decided to confirm their decison on the late the dispute is not going in my favor. Rather confused about the whole thing but I suppose no harm done I'm still in the same boat. I suppose I shouldnt have said no baddies in our posts earlier Remedios haha I was jumpin the gun. 4 more years till it ages off then oh well

Discover it: 10,700
Amex BCP: 5,000
BCU Cash Rewards: 8,000
23k student loan
Ficos 8's ~790
Inq: EX:3 EQ:1 TU:1
Message 6 of 6
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