Time and having the CC balance report will help an amazing amount.
If you have all your other $ items fixed up - I would keep paying them (little extra does not hurt)
I would be concerned about an account still in dispute for 3 months.
What was the outcome you wanted with it to begin with?
I am also amazed what some people call "Low Limit cards" this could mean $300 and could mean $5K.
r92503lind wrote:
Does it help to refi the car loan or pay down the car loan at all? My CC are nearly paid off to zero at this point. One thing I found that's interesting is a CC disputed in March is still in dispute not counting in scoring BUT shows on the report. I am afraid to fix this as I have 7 low limit cards with short history and figure this would hurt more than help.