Dispute

If you notice anything wrong or off the usual while checking your credit history or credit score, you can dispute this by following the appropriate channel. Filing a dispute has no effect on your credit score; however, if the information on your credit report changes after your dispute is resolved, your credit score may be altered. What you are disputing and the conclusion of the debate determine how it changes—whether it goes up, down, or stays the same. Late payments, for example, have a negative impact on credit scores; but, if a late payment was incorrectly reported on your credit […]