I am very confused and wonder if anyone may have an answer for me. I have disputed several items on my credit report. I recently recvd multiple alerts stating that I had a score increase of +35 points then the very next day +9 then +12. The first alert just stated that there were changes in accounts on my CR (it shows that these items are in dispute). There have been a total of three disputed items thus far. I have a repo and 2 collection items. I pulled an updated report which does not reflect that these accounts are in dispute. Does this mean that these items are being reported as accurate. It has been more than 45 days since items were disputed. Also I disputed my student loan with Sallie Mae(My loan went into default with them and was consolidated with Department of education)It now shows these as being 0 balance(current)and paid by insurance. what exactly does this mean? HELP!!!!!!