Thank you to everyone for your advice! I disputed two things on transunion yesterday and they were removed today! Now I'm anxious to see how it's affected my score, but myfico isn't letting me buy again today, as I just finally bought my scores yesterday. I used the code CPPSAVINGS to get an extra 20% off. One item removed was an overpayment for veterans benefits that I sought out advice on. Thanks tuscani! Wish I would have asked sooner! Looks like I'm going to be able to buy a home sooner than expected! My score has continued to rise with your advice!