What Happens to Your Credit Score When You Dispute Items on Your Credit Report?





The dispute process is free and normally takes less than a month. There is some confusion, however, about the impact of a credit dispute on your credit scores.

When you file a dispute with the credit reporting agencies they are required by the Fair Credit Reporting Act to show the item as being “in dispute.” They accomplish this by placing the code “XB” on the offensive credit entry.

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