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It is against TOS to dispute any accurate reporting!!!!!
When filing a dispute on any baddie might come back verified and if not reported in awhile will update and cause your scores to drop.
You would only dispute a CO if it past CRTP!!!!
I am moving you to the credit card board. The people there have the info. that you need reguarding what CCC is pulling what CB and what your chances are in being accepting.
IMO you should have 3 CC because they weigh more on your scores then any other credit.
BUT do it right!!!! ask questions and shop around before applying!!!!!!!