i had disputed some things that were in my credit, how does that effect my credit report?

Answer 1

While the disputed items are being investigated the bureau may mark them "under investigation" but typically it takes about 30 days to complete an investigation and you will have three possible outcomes:

1) The item is deleted.

2) The item's reporting is updated. Could be positive or more negative.

3) The item is verified as reporting correctly.

It depends on the outcome of the investigation and how negatively it was affecting your FICO credit score as to whether your score will rise and how much.

Good Luck

Answer 2

If you are planning to clean up your report through the dispute process, you need to know how the game works! If you don't do it right you are just wasting your time.

The dispute process has several steps

1. Dispute letter is sent to credit bureau
2. Credit bureau contacts creditor to "verify" debt
3. Creditor says you owe the debt (does not have to prove anything)
4. You dispute debt with creditor, demand to "validate" debt
5. Creditor must send you proof within 30 days.

If all of these steps occur, and everyone responds correctly, the entry will most likely remain on your report. What you are hoping for is the creditor fails to verify the debt with the credit bureau, and it's removed automatically.

Check out the link below, it goes into detail about what you need to do.

Answer 3

Disputing doesn't affect your credit report at all. In fact, it may help you, because you are concerned about errors that a lot of companies make to credit reporting bureaus. This may help all who read this because you can go to the link I am giving you and get a free credit report online FREE!
Here is the information. Hope this will help you!

How to Dispute Credit Report Errors

Your credit report contains information about where you live, how you pay your bills, and whether you’ve been sued, arrested, or filed for bankruptcy. Consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home. The federal Fair Credit Reporting Act (FCRA) promotes the accuracy and privacy of information in the files of the nation’s consumer reporting companies.

Some financial advisors and consumer advocates suggest that you review your credit report periodically. Why?

Because the information it contains affects whether you can get a loan—and how much you will have to pay to borrow money.
To make sure the information is accurate, complete, and up-to-date before you apply for a loan for a major purchase like a house or car, buy insurance, or apply for a job.
To help guard against identity theft. That’s when someone uses your personal information—like your name, your Social Security number, or your credit card number—to commit fraud. Identity thieves may use your information to open a new credit card account in your name. Then, when they don’t pay the bills, the delinquent account is reported on your credit report. Inaccurate information like that could affect your ability to get credit, insurance, or even a job.
Getting Your Credit Report
An amendment to the FCRA requires each of the nationwide consumer reporting companies—Equifax, Experian, and TransUnion—to provide you with a free copy of your credit report, at your request, once every 12 months.

For details, see Your Access to Free Credit Reports at ftc.gov/credit.

How to Order Your Free Report
The three nationwide consumer reporting companies have set up one website, toll-free telephone number, and mailing address through which you can order your free annual report. To order, visit www.annualcreditreport.com, call 877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. You can use the form in this brochure, or you can print it from ftc.gov/credit. Do not contact the three nationwide consumer reporting companies individually. They are providing free annual credit reports only through www.annualcreditreport.com, 877-322-8228, and Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

Answer 4

It shouldn't as long as there is a dispute pending or corrected. you can have the party you disputed take it out or add a comment to it!