I've noticed that when OC's put EXP items in dispute they put a "Your Statement" entry in which says disputed by consumer (meets reqts of FCRA)". And the item no longer affects your CE score. It looks just like a consumer statement (you can, in fact, enter the exact same statement by selecting the account, going to the add statement section, and then submitting with no text entered...I guess it defaults to that statement). My question is, if you put in this statement in yourself, does it also impact score?
I don't think it's the statement that affects your score, rather it is the status of the account. Example: I had a 615 with EX. A collection account was added, score dropped 30 points. A couple of weeks later, the same CA changed the status of the account from it being a standard collection account to no status. As soon as this happened, score went back up 30 points (with account still being listed).
I understand that one wouldn't think this to be the case, and perhaps there is a flag that is not displayed to the consumer (which would be a violation of fcra), but if not the only difference I have seen when the OC notes a dispute is the your statement section. IOW, even when the account rating appears identical (derog), I am certain that accounts which the OC tells the CRA are disputed by consumer are ignored -- even if the derog status/rating continues to be reported. And the only way I've seen this disputed status reflected on a report is by the addition of the statement I've noted. Its possible the EXP database doesn't have different way to handle this or there's some other esoteric database reason this might work? Somebody who has already disputed twice with EXP should look at CE score, try this, and then look again and report back.
