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Updated over 9 years ago on . Most recent reply

User Stats

50
Posts
9
Votes
Maureen Campbell
  • Rental Property Investor
  • Philadelphia, PA
9
Votes |
50
Posts

Credit Scores - Should I wait for dispute to be resolved?

Maureen Campbell
  • Rental Property Investor
  • Philadelphia, PA
Posted

Hello BP. I am actively looking to purchase my first property in the next few months. I started monitoring my scores closely to try and bring them up. In the process I found one inaccuracy that is only coming up on my Experian report which is lowering my score by 30+ points, although the Experian score is still above 750. I filed a dispute, but it can take up to 30 days to resolve. Meanwhile, my other scores are 795 for Equifax, 798 for TransUnion, and 783 for FICO. While I am obvisoulsy going to continue to pursue the dispute to fix my Experian, is it worth waiting a month until the dispute is resolved to shop for loans? Or would all of my other scores be high enough already that it won't impact the rate I would receive?

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