Word of advice, don't dispute an old paid off account that is mostly good but only with a couple of 30 day lates.
As if trying to build up my own credit isn't enough work in and of itself, I've began working on my Mom's report and she has several medical bill charge offs - she simply cannot pay them because she is unable to work now. I'm going to try to get them settled and/or removed for her. We disputed two old auto accounts, with all three CB's, each had only a couple of 30 day lates - otherwise, perfect record. All I disputed were the lates which probably aren't even affecting her scores now at all anyway. Much to my horror and disgust, when we checked TrueCredit yesterday, two of the three CB's had deleted the accounts COMPLETELY from her record and her scores dropped yet again. I'm assuming they did this because they were old, just over 7 years.
In effect, we lost two mostly positive and lengthy lines of credit from her files due to disputing something that probably didn't even matter to begin with. Lesson learned - I'm sure there will be many more in the learning process. I just feel really horrible that the lesson was learned at her expense and not my own.
