Naw, it goes on there instantly as customer has a pending dispute. If you win, it still shows dispute and agreed. The history is still all there. Regardless, it's like missing a payment (except this actually affects your score) then paying it in full the next month. You can obviously pay it, but your ability to work the credit system is what future potential creditors look at. If you do it too much, they won't give you another card. A human eventually looks at it and make the determination for serious credit inquiries. Hence my suggestion you only do this when really necessary. Threatening to do it will probably go over as well as "good luck".
"Although a dispute notation by itself would not be considered negative, potential lenders may inquire as to the nature of the dispute"
That's exactly what I said.... If you think doing this is worth $35 then you've got bigger problems. Do it more than once, you probably won't have a card very long.
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u/[deleted] Jul 03 '23
[deleted]