I am disputing an old 30 day late from Old Navy. I'm wondering if I went about it wrong. About 4 years ago, I opened a card at Old Navy and honestly didn't know that the clerk charged the new card with the purchases I made that day. It was long ago and I don't know how that happened, but I would have paid it if I had known it was there. As soon as I found out, I paid off the full balance. So I thought I would try disputing this with the CRAs just to see if I could get it taken off. I got a letter from EQ today saying that they placed a 90 day fraud alert on my CRs because of this. Is that bad? I'm not really in danger of fraud. I don't know if I should let it go or fix it.