There were arrearages that put the TL on his CR to begin with. However, it looks like perfect pay until 2005 when he had two 120 day lates. I have his statement of account which shows this is not true. Three years ago the TL was reporting twice. One from our home state which was reporting favorably ( if there is such a thing) and one TL from the state where she lives which had not updated in 4 years and showing the beginning balance of arrears. He disputed as a duplicate, and of course, the crappy one stayed. I would think that if an entity can put something on your CR, they would be bound by the same law that says they must do accurate reporting. If he does not have success with the dispute, I will suggest he send his own documentation to the CRA himself. But my original question remains unanswered. If it is not figured into the score in the first place, how can it lower it when that TL is disputed?