First; I am in a quandry as to why one of my scores is as low as it is. There are no collection accounts and all the negative is years old. Yet, it's listed first as to why my score isn't higher. This is my Eq. report.
Second; I disputed some information on my other report which was probably a mistake because now the information looks more current than it is. If you dispute info or recently paid off an old collection item, how long does that info affect your score? Do I have to wait two years to see any positive movement in my score? Is there a possibility of a better score this year?