Apply While Disputing?

Discussion in 'Credit Talk' started by benkind, Sep 3, 2001.

  1. benkind

    benkind Well-Known Member

    I looked at the old thread and never really saw a definitive answer--are disputed negatives on a report not factored into your credit score while they are being investigated?

    Is that a good time to apply for credit?

    I just disputed a stack online with TU so this might be a good time....
  2. lmckenzie

    lmckenzie Well-Known Member

    I think that seems to be the case with most of the post on the board, but I would say before applying go to the mills website and make sure that they will pull TU.

    "Waking uo from a credit nightmare"
  3. sam

    sam Well-Known Member

    1. Ensure your actually "In dispute" mode, and then ensure that you are applying somewhere that will pull the selected bureaus.

    Don't assume that because you sent in a dispute, that you are "in-dispute" on those accounts. TU is really slow. EFX and EXP are quick..
  4. Tim

    Tim Member

    I spoke with a representative of Fair Isaac who confirmed that (at least in the case of Equifax) accounts in dispute are not factored into your credit score. So you do get a temporary bump while things are being investigated.

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