So I skrewed up in Nov

[Anonymous]

Does this mean that if something is listed as disputed it's not figured into the score?

[llecs]

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CDB_99 wrote:
Does this mean that if something is listed as disputed it's not figured into the score?

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With the exception of CAs and PRs, a disputed OC account only removes the financial components during the dispute. So, if you dispute a CC account that may be reporting incorrectly, the CL and the balance are removed from scoring. All other items like the lates, the worst delinquency, etc. all remain within your score during the dispute.

[Anonymous]

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@llecs wrote:

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@Anonymous wrote:
Does this mean that if something is listed as disputed it's not figured into the score?

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With the exception of CAs and PRs, a disputed OC account only removes the financial components during the dispute. So, if you dispute a CC account that may be reporting incorrectly, the CL and the balance are removed from scoring. All other items like the lates, the worst delinquency, etc. all remain within your score during the dispute.

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What about a med collection? Just found out today that if it's listed as disputed my CU won't consider it when making approval decisions (got pre-pre-approved with it), but when it comes to determining rate they go solely by the score. Just wondering if I apply while the dispute is in progress if I could reap a little FICO love for my rate!!  

[llecs]

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CDB_99 wrote:

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@llecs wrote:

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@Anonymous wrote:
Does this mean that if something is listed as disputed it's not figured into the score?

---

With the exception of CAs and PRs, a disputed OC account only removes the financial components during the dispute. So, if you dispute a CC account that may be reporting incorrectly, the CL and the balance are removed from scoring. All other items like the lates, the worst delinquency, etc. all remain within your score during the dispute.

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What about a med collection? Just found out today that if it's listed as disputed my CU won't consider it when making approval decisions (got pre-pre-approved with it), but when it comes to determining rate they go solely by the score. Just wondering if I apply while the dispute is in progress if I could reap a little FICO love for my rate!!  

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Disputing won't help any unless it is removed (recommend following the HIPAA process). FICO will still read it as a CA. Whether you owe $10,000 or $0, the damage is the same. Plus if verified, your FICO may drop some if the reported date changes. Risky, IMO.

[Anonymous]

Thanks for the input Ilecs!! DOFD is Dec/05 and DOLA is JUN/06, so I think I may just let that dog sleep for now, as the loan officer at my CU said since it was the only collection on my report and only $25 they didn't really worry about it. (she said they view it as something probably overlooked, not like an $800 debt I'm running from). So from an approval standpoint I feel MUCH better!! I'll feel it in the rates though! Maybe once I understand the HIPAA process a little better I'll tackle it that way, but I'm not too sure about it yet...