I have been reading a lot on the board about your score being high due to disputes. Can some clarify this. I am a newbie and from what I am trying to decifer is that if you dispute everything your score goes up. If that be the case how? Don't the Credit Grantors see what you are disputing and take it into consideration? If not then all anyone would have to due is dispute, therefore incr. your score and apply for what you want. I know it is not this simple so if a Vet could answer this one it would be great. George, Psychdoc, Maggie75? any takers?
Equifax tends to be the leader here. When you have an item in dispute with Equifax, your score will not reflect the item(s) being disputed. -Peace, Dave
Forgot not effecting your score. I have TWO pending disputes, and Equifax has not noted at any point on any report I have pulled that they're even disputed by the consumer. --- TomJones 582 FICO "Hooray! TU deleted my college credit card with Wells Fargo. Unfortunately, this makes my ONLY listed account on TU a $200 overdraft line of credit with Wachovia."
This is odd. Yesterday, EQ was reporting 700, with 5 items in dispute. Today, a tradeline appeared in which my mortgage was changed from I2 status to I1 status -- they deleted the only late pay. The account still appears as unde reinvestigation, adn nothing else has changed -- all accounts under dispute still show as under dispute. But the score dropped to 656. Makes no sense!
This is the perplexing question, For some the score rarely changes with activity and for some of us, it just changes. Has anyone been experiencing.
