Quick question on disputes, when you put something in dispute, does it show up on the credit report or is it not seen due to being disputed. Quite a while back one could dispute some charge-offs and then apply for credit and get approved while the c/o was being investigated. Is this still true?
-Some reporting agencies "hide" the accounts "pending investigation". -As far as I am aware, there is no requirement however.
Some people have reported getting a quick bump in their FICO score by having something in dispute. It doesn't always happen.