Hi all. Haven't posted on this forum for a while. Been waiting and waiting........and waiting. Wells Fargo kept haunting me. I disputed a few times and my scores would go up as the account was updated to satisfactory. Then for some unknown reason, it would resurface again as a 90 day late. EQ finally fell off for good last month. I got a score boost from 730ish to 768 . I had a big auto repair bill come up out of nowhere, and was going to put it on my Visa....which would really put a big dent in my total CL utilization already sitting at 35%, so I called up my CU and got a signature loan instead. That loan just reported today on EQ and I got a Scorewatch alert. Figured I'd take a good hit for the new account, but instead my score went up to 782! Never thought I would see that number anytime soon. I did pay off my long term student loan last month, and two auto loans within the last month. My Util. is still at 35% believe it or not. Don't know what TU is yet, but I think the Wells account is still reporting the 90 day. I use TrueCredit to monitor that, but for some reason my daily pulls show it as clean, but the monthly 3 Bureau pull report always shows the 90 day late, as does myFico Quarterly monitoring. The 30,60 days lates fell off consecutively for the past few months, should be anytime now to lose the 90 day I hope. EX has been clean for several months now. Should be under 30% next month as I'll get another one of my cards PIF. Hoping to get to 9% by year's end. Thinking about a big hitter card down the road, but also have to think about a new house. Sure wish I could get that EX score. 