Congratulations Willow! Thanks for the inspiration. I am currently in the process of disputing lates on Equifax and Experian. Did you dispute online or by mail? Please let me know. I am trying to figure out which way is best. Right now I am trying online first, and if that does not work I plan to try again by mail. Thanks.
So far I have done everything online. Most of my disputes were just to change status to IIB with a $0 balance.
I still think there are some things on the report that are incorrect but am afraid to dispute things too much for fear it will backfire on me.
Still waiting for the final results of the other two. I know my equifax jumped from 550 to 589 but not sure if that's the final number or not. And TU has only finished 3 of my 7 disputed items on it.