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Will my credit score go up once a disputed item is taken off of my credit report?

awsomenurse asked:


I applied for a personal loan through capitol one and was denied d/t something on my credit report. So I did the 1 time a year free credit report and found out that Sears/City reported me for nonpayment on a card that belongs to my exhusband of 8 years. (he is filing bankruptcy) It has me as an authorized user. We called the credit card company and they said that I was not on that credit card. I am disputing it with equifax. Once it is taken off of my credit report, will my score go up? Should I reapply for the loan? I had excellent credit before this. I make good money and I always pay my debts. We have been divorced for 8 years.

WENDELL
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Posted March 8th, 2010 in Credit

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2 Responses to “Will my credit score go up once a disputed item is taken off of my credit report?”

  • Diane says:

    GALE

    If a debt is removed from your credit report, your score should go up.

    However, there are quirks that would prevent that, at least for a few months. I just found a really good article that explains why:

  • Ingrid S says:

    DAVE

    The FICO score may go up as much as 60 points if a derogatory item is taken off your credit report. The improvement also depends on other accounts in your credit report.

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