Dispute removed

[ShowCredit]

I offered on a shortsale and am now in underwriting... In 12/2007 I paid off the mortgage on the previous home I had and it has always showed as "in dispute" on my CR. I did not dispute it because I did not want my scores to drop, now I pulled my report and it is finally now showing up as a positive on my report, my scores went up 10 points.

I did not dispute the comment on my report, because one broker had told me not to because it was not hurting my score.  Now all of a sudden it turned positive and my score went up.. so happy,   I had rate locked last month at 4.375%, set to close next week.

Do you think the underwriter had something to do with this turning positive on my CR?

TU 716 12/4/10 EQ 701 12/4/10

[haulingthescoreup]

It's more likely that while the TL was showing as being disputed, it was removed from many aspects of scoring. (This is common with disputes.) Once the dispute notation was removed, it was once again used in scoring, and it helped you.

Your scores are completely dependent on what shows on your credit reports. Unless your underwriter did something that changed the reporting on a TL (unlikely), the score change occurred independently.

My money is on the fact that the TL is no longer being disputed and is once again being scored.

[ShanetheMortgageMan]

Yup, underwriters don't change anything on a report, they only review them.