I guess I should of done more research before doing stupid things. Had a charged off account that reported zero balance to all three. There were a couple of wrong lates that were reported years after the account was charged off and were hurting my scores. Tried to dispute them with the CA and it caused them to verify and report a balance. Fako dropped by 22 points. I'm guessing the real FICO scores are gonna have similar loss.
I am angry at myself now.
+1 Are you sure it was the CA that was reporting lates. As guiness56 stated, that's a NO-NO.