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Rcmax

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How des a dispute affect your credit score?
If you dispute a neg. item on your report and it is not removed, he des this defect your credit score

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No, it will not. If the negative item is NOT YOURS then you need to continue to pursue it. Given enough proof they will take of any item that is proven to be not yours.

If the negative item is yours and you dispute it, it will not change your score due to the fact you filed a dispute.

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