I disputed an account on my Transunion report and I am happy to say that I am in LOVE with Transunion right now. On my Transunion report it was scheduled to fall off as of 04/2011, It hadn't been removed yet so I disputed it a little before midnight and Transunion has already removed it from my report!!! My score increased 3 points (It was a CO acct. in the amount of $145 that was PIF). I think that I will be in the 600s after my Orchard Bank card updates for the month of march. I think that I will be solid in the 600s once my new Capital One Secured account starts to report as well. 