Just want to share my experience with you. I started checking my report thru MF and TC, but just a month ago I catched mistake that stoped my score going up thanks to you and this forum. I was late on CAP1 Auto Finc acc. 30 days 3 years ago, and then acc. was transfered to another company and never late. But for some reason they where raporting that I'm late on that new acc. 30 days as like I'm late today! My credit summary was also showing 1 delinquent accaunt on all 3CRA, but I did not realise why. I disputed TU via phone and other 2 online. All 3 changed that I was never late and that the acc is transfered and on time. My FICO went up in avarage of 8 points.