Disputes and FICO Scores Question

[Ms-Kato]

I filed 8 disputes with each CRA bringing the total to 24.

Can filing disputes knock your FICO scores down ?

I only ask because all 3 scores have taken a huge nose dive since disputes and apping. I don't

believe just apping would have caused this drastic change.

Yet I get approved for 4 out of 7 cards..go figure

[llecs]

It can. It depends on what was disputed, if it still is listed as disputed, and if cleared, what changes occurred as a result of the dispute. This only applies to certain aspects of OC accounts. PRs and CAs will continued to be scored during a dispute, and have no impact on your score assuming nothing changed in that TL due to the dispute.

[Ms-Kato]

---

@llecs wrote:

It can. It depends on what was disputed, if it still is listed as disputed, and if cleared, what changes occurred as a result of the dispute. This only applies to certain aspects of OC accounts. PRs and CAs will continued to be scored during a dispute, and have no impact on your score assuming nothing changed in that TL due to the dispute.

---

All still listed as disputes..so looking forward to the results and hoping for the best .

What are PR's ?

[llecs]

Public records (e.g. liens, BKs, judgments)

[Ms-Kato]

---

@llecs wrote:

Public records (e.g. liens, BKs, judgments)

---

Oh..I don't have any of that on my report..thank goodness !

Only one CC has registered on my CR out of 4.

Do you think when they all start registering and ULI is under 9% I will

get a score boost ?

One of my negatives is not enough of credit balance or whatver the term was they used.

Oh Yeah !