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Disputing a negative hit to your credit score does not mean it gets removed. You need to have excellent documentation, which the author does but not everyone is

Disputing a negative hit to your credit score does not mean it gets removed. You need to have excellent documentation, which the author does but not everyone is so meticulous throughout a months-long dispute. Also, credit scores are used now for some job applications. You can’t get some jobs without a good credit score. If you refuse to sign a waiver allowing the potential employer access to your credit score, you forfeit the job. Such jobs are often in the financial sector where employers want to make sure you do not have an incentive to steal.

whatthesmack 5y ago
> Disputing a negative hit to your credit score does not mean it gets removed. I believe it usually does get removed immediately, but temporarily, until the credit reporting agency (CRA) has come to a decision on the case. I've heard of folks closing on mortgages soon and out of nowhere, a past dispute winds up on their credit report as a negative item, putting the mortgage closing at risk. So they immediately dispute it to resolve the issue in the short-term.