Myth #26: Adding a consumer statement to your credit file makes a record, and ultimately, does not make a difference in your credit score at all.
In reality, having that statement would just reaffirm the fact that is should have been there in some way, shape, or form. Given that you have the right to dispute derogatory items, making that statement works against you, so it’s better off not telling your side of the story.
Besides, no one reads the statement anyway, so there’s no reason to notate it anyway, especially since it could work against you if you dispute the negative item.
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