Back in 2011, I had a late payment on a Best Buy Credit Card. Eventually I paid it off, and it no longer affected my credit score, however it was still on my record in 2019. I took the advice of others on here on my own will, to file a dispute with EQ, EX, and TU to have it removed for still being on my record past 7 years. Well now, I just skimmed through a forum which says that there shouldn't be any pending disputes while in the middle of a mortgage process? I'm doing a new-construction build and will be closing on 05/01/19!! Now i'm freaking outttttt.
EX has already removed that specific late from my record, causing my credit score is increase by 8. The other two are still pending.
Most lenders won't pay any attention to Accounts under dispute with a $0 balance.