Each creditor has different requirements and receives their credit report updates on different schedules. Therefore, your responses from creditors will vary.
You have the right to be considered fairly, without discrimination when applying for credit. The Equal Credit Opportunity Act (ECOA) ensures that all consumers are given an equal chance to obtain credit. This doesn’t mean every consumer who applies for credit will receive it. Factors such as income, expenses, debt, and credit history are considerations for creditworthiness.
The law protects you when you deal with any creditor who regularly extends credit, including banks, small loan and finance companies, retail and department stores, credit card companies, and credit unions.
As your negative credit report item(s) is being disputed, your scores can fluctuate, so it is in your best interest to wait until the disputing process is complete before you apply for additional credit.