FICO drops after submitting dispute.

[Anonymous]

Why would my score drop if I am disputing an item on my credit report?

[Anonymous]

Most of the time when have an item in dispute it is taken out of FICO scoring. So, you may have lost UTI, or AAoA, or something else positive.

[llecs]

A current dispute will have zero impact on a CA or PR, other than sometimes the baddie itself could update in a ways that hurts more.

A current dispute on an OC can result in it being scored differently as pointed out. AAoA or length of history isn't impacted in any way during a dispute, but a dispute can result in FICO not scoring the balance or CL or the payment history. At the conclusion of the dispute, the TL can update in a way that can further impact your score (e.g. they can add lates or update in a way that hurts).

[MattieNumNums]

Mine dropped about 35 points when I disputed 4 items. Once the disputes were over my score went up 55 points. So I had a net gain of 20 points.

[Anonymous]

The day after I submitted dsiputes, I received a FICO  score update with a lower score. The reason give was my dispute inquiry. I can't imagine it was reviewed in one day.

[Anonymous]

Consumer disputes - reinvestigation in process

[llecs]

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@Anonymous wrote:

The day after I submitted dsiputes, I received a FICO  score update with a lower score. The reason give was my dispute inquiry. I can't imagine it was reviewed in one day.

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While SW only checks scores for updates every 7-10 days or so, it will alert you to a score change if there was a major event behind it like an account with a new comment. I'd say the score is accurate and the comment indicates an active dispute. Hopefully they'll verify it and your score will bounce back.