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Disputing information does not hurt your credit scores

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Topics addressed on September 16, 2009:

Disputing information does not hurt your credit scores

Dear Experian,

Does disputing information with Experian cause credit scores to lower?

- MIL

Dear MIL,

Disputing information does not hurt credit scores because there is no record of the dispute on your credit report. Scoring models can only evaluate what is present in your credit history.

Disputing information also doesn‘t cause the account to disappear from your credit report. Only after the dispute process is completed will the account be updated or removed if the source of the information agrees with your dispute.

You should not hesitate to dispute information that you believe is inaccurate. Experian wants your credit history to be as accurate as possible because that helps you and your lenders.

By disputing information, you are helping us ensure the accuracy of your credit report. If negative information is deleted, your creditworthiness will improve. If the dispute does not result in an update, your credit status will remain unchanged.

Thanks for asking.

- The ”Ask Experian“ team

Credit Reporting

Improve your credit by understanding basic consumer credit information: what’s in a credit report, how to check it and how often you should review it.
Credit Scores

What are credit scores, and how are they calculated? Get the answers to your credit score questions.
Preventing Fraud

Learn the warning signs of credit fraud, and get the credit information you need to protect yourself. Are you already a victim? Experian can help.
Life Events and Credit

Find out how life events affect your credit and how to build good credit for the major purchases in your life.
Credit Advice

Ask Experian

Get credit information on the hottest topics from Experian’s team.
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What’s in a credit report, how can you check it and how often should you review it? Make sure your credit information is accurate and check your Experian, Equifax and TransUnion reports side-by-side with Experian’s 3 Bureau Online Credit Report.
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