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If you have an item marked as 'disputed' on your CR, what does that mean for your score or to a potential creditor?
A dispute comment would only impact your score if the dispute was with an OC. The financial components are removed from scoring like the balance, CL, lates. That can cause your score to go up or down depending on what and how it is reporting. A dispute to CAs and PRs have no impact per FICO.
Some creditors frown on a dispute comment, especially mortgage lenders, but some don't care.