Score decrease after removing dispute remarks

[Anonymous]

Hey everyone. We are applying for a mortgage and we were told that we need to have any and all dispute remarks removed from our credit reports. I had that done over the last couple of days and saw an 8 point decrease on Experian. Why is this? There was nothing that was actively under dispute. The disputes were several months old. Just trying to understand. Thanks for any insight. 

[Revelate]

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@Anonymous wrote:

Hey everyone. We are applying for a mortgage and we were told that we need to have any and all dispute remarks removed from our credit reports. I had that done over the last couple of days and saw an 8 point decrease on Experian. Why is this? There was nothing that was actively under dispute. The disputes were several months old. Just trying to understand. Thanks for any insight. 

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Unfortunately disputes are straight up wonky, weird, inconsistent, and a host of other descriptions which all add up to flaky.  End of the day the bureau datasets aren't as clean as arguably they should be especially around disputes.

They can discount portions of a tradeline up to the entire thing from scoring.

They can stay "open" in some form or fashion long after they've allegedly been resolved.

This is exactly why it's mandatory for conventional and FHA and I suspect others that any hint of the dispute be removed.  

[SouthJamaica]

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@Anonymous wrote:

Hey everyone. We are applying for a mortgage and we were told that we need to have any and all dispute remarks removed from our credit reports. I had that done over the last couple of days and saw an 8 point decrease on Experian. Why is this? There was nothing that was actively under dispute. The disputes were several months old. Just trying to understand. Thanks for any insight. 

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I would look for some change other than the removal of the dispute remarks as the cause.

[Anonymous]

Weird, but like Rev said, disputes can cause exclusion of tradelines from scoring. And that’s true, there could be a totally discrete cause of the change.

[Anonymous]

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@Anonymous wrote:

Hey everyone. We are applying for a mortgage and we were told that we need to have any and all dispute remarks removed from our credit reports. I had that done over the last couple of days and saw an 8 point decrease on Experian. Why is this? There was nothing that was actively under dispute. The disputes were several months old. Just trying to understand. Thanks for any insight. 

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Hi I've been reading through all of the forums about this particular topic. I too have applied for a mortgage and been asked to remove a dispute. I actually had it removed on 6-5-2020 and when credit was re pulled on 7-14-2020 it showed again. I'm sure the original creditor just reported it again. I have once again called to remove the dispute without any problem. My question is has anyone had it reappear after re-pulling credit within a reasonable time frame? Also has anyone been successful in using other documentation as proof it was removed if the credit report the LO pulled continued to show ? I plan on using the letters I receive from the bureaus as documentation but my LO hinted at getting an email from all 3 just stating they were removed - I'm not sure the bureaus will do such thing. Thanks in advance for any help. 

[AzCreditGuy]

So I learn something new everyday....I will be applying for a Conv or FHA in about 6 months to 9 months....This is the 1st Ive heard of getting dispute remarks removed?  Are these the remarks that must be removed? 

Cap 1 I think this dispute is from a long time ago and I dont even remember what its about now? 

And this is from Chase where I disputed with TU to put this Auth account on my credit profile, they never did

[Anonymous]

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@AzCreditGuy wrote:

So I learn something new everyday....I will be applying for a Conv or FHA in about 6 months to 9 months....This is the 1st Ive heard of getting dispute remarks removed?  Are these the remarks that must be removed? 

Cap 1 I think this dispute is from a long time ago and I dont even remember what its about now? 

And this is from Chase where I disputed with TU to put this Auth account on my credit profile, they never did

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@AzCreditGuy

I am new to this subject regarding verbiage and could be wrong. A lot of posts have mentioned that as long as the account mentions being resolved it was ok. It is the active dispute or statements mentioning "Account information disputed by consumer" that become problematic bc it may not reflect your true scoring.