Does anyone know if an item in dispute is blocked from a potential creditor when they review credit to see if you are approved. I requested a credit card from my credit union and they said they pull Experiana and I have some old student loans in dispute. I hope they can;t see them when they pull the report. Does anyone know?
From what I've read here, EQ is the only CRA that 'blocks' disputed items from view by refiguring your FICO. I am under the belief that both TU and EX only list TL as 'in dispute', but are visible both in your FICO and on your report.
