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I have a dispute on a short sale on my report. The short sale is real and I was disputing the term foreclosure vs. short sale. It is now listed as a short sale. When your fico score is calculated does it include disputed accounts like short sales.
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I'm certain that short sales and foreclosures are scored on par with each other per FICO. Under a manual review, I'm guessing a short sale would fair better.
Whe an OC account is disputed, like a mortgage, FICO will ignore the balance and the negative references of that tradeline while the dispute is active. Once the dispute clears, FICO will resume scoring those two aspects.