Dispute Mode...What do lenders see?

Discussion in 'Credit Talk' started by dm4x, Oct 23, 2001.

  1. dm4x

    dm4x Active Member

    Hi all!

    I see that you can apply for credit (prime..I presume) even with derogs..as long as you an in dispute mode.

    But what do lenders actually see when they pull a CR with 3 or 4 items in dispute? Does the score go up temporarily?

  2. roni

    roni Well-Known Member

    FICO Scores ignore anything in dispute... It acts just as if the tradeline had been deleted....

    Who know with the other scoring methods... but lendors look at FICO anyway
  3. dm4x

    dm4x Active Member

    Do they pull up the actual CR? If so, do they see missing derogs on the report?
  4. Momof3

    Momof3 Well-Known Member

    When a lender pulls your report they still SEE the negatives, just has the notation this item is under investigation. The items are not factored into your score, atleast with EQ not sure of the others, but they are still plainly visible.

    Now some banks just pull and get your score will approve if your score is enough, if it is questionable I think they would then take a hard look at your full report.
  5. roni

    roni Well-Known Member

    I agree with Momof3... They do pull a hard copy, but only look at it if the scoring falls below an auto approve range.........

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