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Disputing to raise credit score for instant approvals


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I want to dispute two of my personal loans as having zero balances. Then use the resulting score bump to hopefully increase my chances of getting instant approval. Will this work or will the disputes cause potential instant approvals to automatically fail? I know, I know, once it's to an underwriter they'll be some explaining to do but will disputing help for auto approvals? :)

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If I was writing an autoapproval algorithm, I would make sure that there was logic to kick out an app for manual review if there are items on the credit report that are in dispute.

 

Please note that no one has ever paid me to write an autoapproval algorithm.  I've just created a couple while I was taking a bath.

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