2 Questions: 1)Does anyone know if FICO changes when you are disputing items? 2)Is pulling your FICO online yourself accurate?
I think we need a FAQ It looks like when you dispute items they are effectively removed from the scoring, so if they item would have had a positive effect it would lower your score and if it would have had a negative effect it would raise your score. So usually it's going to raise your score, unless it's one of the situation where people think it's a negative item but it's really more positive than negative. Equifax gives a true FICO (based on your equifax credit report) just like a lender could see if they got a Equifax based FICO. The scores from Experian and Transunion are not true FICO, but look a little like FICO. The 3rd party scores are of varying quality, but not a true FICO.
