I was wondering if you dispute a negtive TL with a CA via a DV letter, if they happen to mark it "IN DISPUTE" and you apply for credit, will FICO take that into account????? i.e will FICO take into account TLs in dispute via DV'S Also, if you dispute to the OC(I'm not sure if you send a dispute letter to the OC, uder section 23 of FCRA) will the OC be obligated to mark it as in dispute. I want to apply for a new credit line and I need to block a new TL, because it's lowering my average account years interval.
