Filing a dispute has no impact on your score, however, if information on your credit report changes after your dispute is processed, your credit scores could change. … If you corrected this type of information, it will not affect your credit scores.
Do credit bureaus really investigate disputes?
Do the credit bureaus actually investigate disputes? Yes, the three major credit bureaus are obligated by law to investigate credit report disputes. The question is how well they do it. … If your dispute is valid, the credit bureau will correct your credit report, but it could take some persistence on your part.
Is it better to dispute online or by phone?
Each of the major credit bureaus (Experian, Equifax, and Trans Union) allow consumers to dispute information on their credit report by phone. Disputing by phone has the advantage of being a quicker and sometimes easier process than writing a dispute letter.