Does ScoreWatch alert disputes? Affect scoring?

[debtoranon]

Mod, if this isn't in the appropriate section please move to where it should be.

I disputed with a CA whom I have never received a dunning letter from and if I understand the FDCPA correctly the CA must report the TL as disputed. Does ScoreWatch send alerts for that?

And if a TL is disputed, is it or is it not calculated into FICO scoring?

[haulingthescoreup]

I don't think that disputes per se trigger a SW alert.

However, if the dispute results in a score change, you should get an alert for the change.

Some disputes take the TL out of some scoring considerations; others don't.

Score Watch Guide

[debtoranon]

Thank you for posting the link. It says an alert will be issued if there is a change of status on a collection account so unless there is a change to to status or status date I am assuming no.

[llecs]

In my dark, unguided credit days, it seemed like I got some alerts if the comments changed (e.g. account in dispute)

[debtoranon]

Thank you, Ilecs.

[MBOhio2]

My husband recently disputed something through EQ and yes, he did receive a SW as a result of the dispute. The only change was "account in dispute" added to the comments.