If you contest something that was posted on your credit report, realize that report will show a line item stating: consumer disputes information.
That phase will cause flags if the information being disputed is of a derogatory nature and you did not report it: example- $500 collection from Xfinity for an equipment return issue. No matter the cause or outcome, when answering those financial questions, such details like a collection would require a positive response.
Pretending derogatory financial information doesn’t exist or apply because that info was disputed will not set you free from the reporting requirement. That phrase shows the consumer was at the very least aware of derogatory information and not reporting it adds an honesty issue to your situation.