So, i went through the dispute process with an account that had closed due to missed payments that was now all paid off. The disputes through experian and equifax went through and deleted the account off of my reports.
experian: 695==>707 equifax 693==>750!
can't wait to see how the disputes work out through transunion!
Thank you all for teaching me what I can do to help myself!
I just wish I had done this 2 months ago so I could have used these scores to get my mortgage rate down!