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NYC2RVA

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Will disputing and reqesting for an item to be removed lower your credit score?

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disputing an item affect credit score.

Plain and simple, 'NO'.

All companies who report to the BBB and to the credit bureaus HAVE TO accept all disputes and show records that they have attempted to correct the problem. This doesnt mean that they are always right, it only means they simply have looked into and settled all disputes. They also must have a time limit to look into disputes (usually one week or less than 30 days) and respond to you. All these records must be reported to the BBB so the company also can maintain a record that reflects how they do business with the BBB. When the time comes that the dispute is settled, you usually have 30 days to pay off the dispute if it is not in your favor or they find no reason to remove the charge. But, you must also keep record of all this so if it ever comes back (like a credit bureau reflecting it on your credit score) then your records and the companies becomes your proof (hence, your credit score will be corrected). This also takes time and is not instantly updated that day, but it will be in the near future.

If any company is telling you that your dispute will affect your score is simply trying to not have any disputes against them or they are not affiliated with BBB. Either way, I would not recommend doing business with that company.

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