Does removing disputed status drop your score?

[kgwinn]

I'm in the process of trying to pourchase a home and my lender said that because there are a couple of disputes on my cresit report, it MAY get flagged by the automated system and not get an automatic approval. I suggested that I could call and have the dispute comments removed, as these are old and validated more than a year ago. He told me not to  becuase by even removing a dispute it could "update" an old collection account and cause my scores to drop. Is this true?

[Revelate]

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@kgwinn wrote:

I'm in the process of trying to pourchase a home and my lender said that because there are a couple of disputes on my cresit report, it MAY get flagged by the automated system and not get an automatic approval. I suggested that I could call and have the dispute comments removed, as these are old and validated more than a year ago. He told me not to  becuase by even removing a dispute it could "update" an old collection account and cause my scores to drop. Is this true?

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I'd be stunned and amazed if you make it through the process without having to remove the dispute remarks.

Removing a dispute (which may discount the tradeline from scoring) can cause your score to drop, removing dispute comments though I heard of that one previously and it's a common enough scenario in the Mortgage board that it would've likely been seen and screamed about at some point.

[kgwinn]

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The comments are random anyway. I sent a bunch of dispute letters last year because there was a lot of unidentifiable collection stuff I didn't recognize from my unemployed grad student days. Some stuff got deleted, others didn't. I never thought about it again, but a couple of them now say "Subscriber reports dispute resolved, consumer disagrees". WTH? I never said that. So I should be able to call EQ and TU and ask for the comments to be removed because they're inaccurate, and it can just say resolved? No impact except to clear the disputed status away?

[Revelate]

This is the process people have been using with success:

http://ficoforums.myfico.com/t5/Mortgage-Loans/Best-Way-to-Remove-quot-Account-In-Dispute-quot-for-M...