BACKGROUND:
My husband and I are needing to replace his car by the end of the year. My fico scores are all in the mid 500s. We'll be able to put at least 50% down and don't want to finance over $5K.
I began credit repair a few months ago. I have paid off almost all of my collection accounts and judgments. I am currently disputing the judgments and hoping they fall off of my report(s). The only items unpaid are two small collection accounts one for $112 and the other is $44. I'm in negotiations w/ the CA - trying to do a PFD. Also, I'm in very good standing w/ all of my installment loans and most of my credit card payments.
QUESTION:
While my judgment disputes are in process, will they be calculated in my fico score?
Full Version: Scores while dispute is in process
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We have an Automotive FAQ (Frequently Asked Questions) section that should prove to be very helpful in your automotive knowledge quest.
In the Reading and Resource Section of this forum, which is a read only forum, you can look up information regarding Sales Tax by State, Lemon Laws by State, along with a number of industry specific topics very relevant from the dealership's perspective.
In the main section of this forum, there are two pinned topics both of which are read only topics. The first concerns Bank and Credit Union rates and tiers. You might find this useful in predicting an interest rate on your next vehicle purchase. The second is a general purpose credit application that you can use to get an idea if you might qualify for an automotive product loan based on an insider's perspective of the information you provide.
You, as a consumer, have a unique advantage to "pick my brain"as I have been in the Automotive Industry since 1972. I will endeavor my utmost to give you up to the minute information and explain any insider workings you may question.
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We have an Automotive FAQ (Frequently Asked Questions) section that should prove to be very helpful in your automotive knowledge quest.
In the Reading and Resource Section of this forum, which is a read only forum, you can look up information regarding Sales Tax by State, Lemon Laws by State, along with a number of industry specific topics very relevant from the dealership's perspective.
In the main section of this forum, there are two pinned topics both of which are read only topics. The first concerns Bank and Credit Union rates and tiers. You might find this useful in predicting an interest rate on your next vehicle purchase. The second is a general purpose credit application that you can use to get an idea if you might qualify for an automotive product loan based on an insider's perspective of the information you provide.
You, as a consumer, have a unique advantage to "pick my brain"as I have been in the Automotive Industry since 1972. I will endeavor my utmost to give you up to the minute information and explain any insider workings you may question.
Due to time constraints on my part, I may not always be available to answer your question right away. Don't be discouraged, this is a very busy board. If some extended time goes by without a reply, feel free to reply to your own post by typing the word *bump*. This will *bump* your post back up to the top of the forum where it is more easily seen.
We make every effort to maintain a warm and friendly, and particularly non-judgmental attitude here on CreditBoards. If you find someone is discourteous to you, use the REPORT button located at the bottom of every post-that will ensure that either I or another moderator or Admin looks at the post and decides if it is against our TOS.
Off-topic posts should go in the General Forum. And if you are a credit newbie, take a glance at our Newbies Section.
Come get your new keys!
HAPPY
MOTORINGCB Admin: LKH, Pam, radi8, breeze
CB Mods: cotterpin, CargoJon, CramitCCCA's, fla-tan, MarvBear, psp, pryan67
Forum Leads: TeeSharice, orangecrush and Four20Nik
Since this is more suited to the main credit forum would the original poster wish this topic moved there for more views?
Yes please, thank you! 
Moving to the main credit forum for more views.
QUOTE(AMarie @ Nov 17 2006, 11:53 AM) 
BACKGROUND:
My husband and I are needing to replace his car by the end of the year. My fico scores are all in the mid 500s. We'll be able to put at least 50% down and don't want to finance over $5K.
I began credit repair a few months ago. I have paid off almost all of my collection accounts and judgments. I am currently disputing the judgments and hoping they fall off of my report(s). The only items unpaid are two small collection accounts one for $112 and the other is $44. I'm in negotiations w/ the CA - trying to do a PFD. Also, I'm in very good standing w/ all of my installment loans and most of my credit card payments.
QUESTION:
While my judgment disputes are in process, will they be calculated in my fico score?
My husband and I are needing to replace his car by the end of the year. My fico scores are all in the mid 500s. We'll be able to put at least 50% down and don't want to finance over $5K.
I began credit repair a few months ago. I have paid off almost all of my collection accounts and judgments. I am currently disputing the judgments and hoping they fall off of my report(s). The only items unpaid are two small collection accounts one for $112 and the other is $44. I'm in negotiations w/ the CA - trying to do a PFD. Also, I'm in very good standing w/ all of my installment loans and most of my credit card payments.
QUESTION:
While my judgment disputes are in process, will they be calculated in my fico score?
I don't have any experience with judgements specifically.
I have heard different stories about the efect on FICO when disputing negatives. When my GF disputed a couple of CA's, although her FAKO went up, her FICO remained unchanged.
QUOTE(AMarie @ Nov 17 2006, 11:53 AM)
BACKGROUND:
My husband and I are needing to replace his car by the end of the year. My fico scores are all in the mid 500s. We'll be able to put at least 50% down and don't want to finance over $5K.
I began credit repair a few months ago. I have paid off almost all of my collection accounts and judgments. I am currently disputing the judgments and hoping they fall off of my report(s). The only items unpaid are two small collection accounts one for $112 and the other is $44. I'm in negotiations w/ the CA - trying to do a PFD. Also, I'm in very good standing w/ all of my installment loans and most of my credit card payments.
QUESTION:
While my judgment disputes are in process, will they be calculated in my fico score?
My husband and I are needing to replace his car by the end of the year. My fico scores are all in the mid 500s. We'll be able to put at least 50% down and don't want to finance over $5K.
I began credit repair a few months ago. I have paid off almost all of my collection accounts and judgments. I am currently disputing the judgments and hoping they fall off of my report(s). The only items unpaid are two small collection accounts one for $112 and the other is $44. I'm in negotiations w/ the CA - trying to do a PFD. Also, I'm in very good standing w/ all of my installment loans and most of my credit card payments.
QUESTION:
While my judgment disputes are in process, will they be calculated in my fico score?
I agree with the above poster. I have never seen FICO care one way or another when I have disputed items.
i wish it helped though, i would just dispute everything negative on my report before applying lol...temparary 700s =)
QUOTE(sporocyst @ Nov 20 2006, 05:08 PM)
QUOTE(AMarie @ Nov 17 2006, 11:53 AM)
BACKGROUND:
My husband and I are needing to replace his car by the end of the year. My fico scores are all in the mid 500s. We'll be able to put at least 50% down and don't want to finance over $5K.
I began credit repair a few months ago. I have paid off almost all of my collection accounts and judgments. I am currently disputing the judgments and hoping they fall off of my report(s). The only items unpaid are two small collection accounts one for $112 and the other is $44. I'm in negotiations w/ the CA - trying to do a PFD. Also, I'm in very good standing w/ all of my installment loans and most of my credit card payments.
QUESTION:
While my judgment disputes are in process, will they be calculated in my fico score?
I agree with the above poster. I have never seen FICO care one way or another when I have disputed items.
i wish it helped though, i would just dispute everything negative on my report before applying lol...temparary 700s =)
When I disputed some lates on a credit card, I was alerted from scorewatch that my EQ score went up 8 points and it showed the credit card account that I was disputing. When it came back verify, I was alerted again and my score had drop 8 points.
Thanks for your responses everyone!
how old are the judgements?
remember the effect of a dispute on score cuts both ways...
remember the effect of a dispute on score cuts both ways...
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