IMHO people are too quick to jump on a dispute to the CRAs. There are avenues to take before that is done that may have better outcomes. You must have a valid reason to dispute to the CRA, but there's nothing wrong with trying a PFD or a GW.
Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness ChallengeCurrent scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.