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Dispute Center

What is disputing?

When it comes to your credit, disputing is the act or process of challenging errors that may be listed on your report.  The goal of disputing is to ideally fix or remove any derogatory information that you believe is inaccurate. To learn more about ScoreShuttle’s digital disputing capabilities, click here.

What is a derogatory?

To put it simply, a ‘derogatory’ is a negative mark on your credit report. A derogatory could damage your credit scores and may have a substantial impact on your ability to qualify for a new line of credit. The amount and level of derogatory items listed on your report could also negatively affect the terms and interest rates – if any, you may be offered. Here are some items that could result in a derogatory mark:

  • Late payment
  • Account in collection
  • Repossession
  • Foreclosure
  • Bankruptcy
  • Civil judgment
  • Any item that could be considered a credit risk

For best credit score results, consumers should strive to avoid, resolve, or remove any derogatory marks listed.

How can the dispute process help my credit?

The dispute process is a major component of credit enhancement.  If you believe a derogatory item on your credit report is inaccurate – or listed in error, you have the option to dispute it. If your dispute results in a derogatory removal, you could see an uptick in your credit scores. Here’s how it works. If you sign up to become a Premium ScoreShuttle user, the software will analyze all 3 of your credit reports and highlight any derogatory items that may be negatively affecting your scores. If you spot an error, Premium users have the power to launch ScoreShuttle’s automated dispute cycle with a single click. Once received, by law, the credit bureaus have 30 days to either respond or remove the item from your report. If a credit bureau declines removal, the ScoreShuttle software will continue to send new disputes until the item has been disputed to capacity.  The more derogatory items you choose to dispute and are able to get successfully removed, the more likely you are to experience a score increase.  Click here to get started now.

What items can I dispute?

Shockingly, 4 out of 5 credit reports contain at least one error. If left unchecked, errors could result in a damaging derogatory mark on your report.  If you believe a derogatory is listed in error – or contains inaccurate information of any kind, Premium users can choose to dispute it digitally with a single click.  Here are some examples to consider:

 

  • Errors: typos, misspellings, duplicates, inaccurate amounts
  • Outdated Accounts: items over the statute of limitations
  • Fraud: activity or accounts opened without your knowledge
How do I start the dispute process?

If you choose to become a Premium ScoreShuttle user, the software will automatically analyze all 3 of your credit reports and highlight any derogatory items that may be negatively impacting your scores. If you notice an error or inaccuracy, such as the ones listed above, you can click to activate ScoreShuttle’s automated dispute cycle to challenge the item(s) with either 1 or all 3 credit bureaus.  Once clicked, the ScoreShuttle software will continue to dispute to capacity on your behalf.

Where can I check the progress of my disputes?

Easy.  After you’ve activated ScoreShuttle’s dispute cycle, simply log into your user dashboard to track your results. Remember, once sent and received, the credit bureaus have 30 days to either respond or remove the item from your report.  That said, dispute updates will not occur until the credit bureaus’ 30 day response period has passed. Even if a derogatory(s) has been successfully removed from your report, it may still take 6 to 8 months or more of DIY disputing and positive credit building activity to potentially experience score growth.

I still have questions. Can I contact software support?

Of course!  First, we advise you to check out all of the general FAQs and dispute information above to make sure that your question hasn’t already been answered.  If you still need software assistance, you can click here to submit a help ticket – or access our live chat on the ScoreShuttle website M-F during normal business hours.

What will you do with a higher credit score?