I think it may have been that it was so old that it was not affecting you that much. Not sure though I have 2 baddies for $30 bucks each that are from 2001. I can afford the $60 but I'm afraid if I pay they will hurt me in the long run. Those baby will just have to fall off. I could PDF but I had success with the dispute route, so i'm going to roll the dice and see what happens. I have been working on my scores since 1/3/07 my scores were 585, 524 & 592, 6 mons later on 7/9/07 my scores are 648, 597 & 666. Wait a little bit, they take their time to change the score. I had a delete and it took 3 weeks for my scores to go up.