My medical collection account that I paid when I was made aware of it....has successfully been deleted from Equifax and TransUnion by initiating a Dispute. Experian results are Pending. The collection was the only Negative on my account. Otherwise I pay on time every time, and I do have a few too many inquiries but that's it. Can't wait to see my new scores!
So don't be afraid to try a dispute. It may work out!
BK DC 10/18/18
@guiness56 wrote:Unfortunately, it is against the TOS of the forums to dispute accurate information and to tell others to do so.
Thank you guiness. 
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.