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I was wondering what information is removed from scoring when a negative tradline is disputed.
Do all the FICO scoring models remove the same info in regards to scoring an account that is in dispute?
I have a dispute open on a First Premier charge off. My FICO EQ score dropped 20 points from the dispute but my EX Plus score went up by 90 points.
I know the plus score is a FAKO, but I was wondeing if anyone know how that scoring model treats the disputed tradline?
Certain aspects of the TL is removed from scoring cause it's an OC account. Once the dispute is resolved it should return to its prior state.
Thanks for the response DaBears.
Any idea what specific info is not counted in scoring when a dispute is in progress?
Is the age of the account still included in AAoA?
Does the charge off status still count while in dispute?
The only reason Im curisous as what specific info is or is not counted, is so that I might get an idea of how actually getting the negative tradline might change my score.
I'm not sure, Fico is tight lipped