I have 6 TLs on my report, 5 of which have a 2-3 late pays each from 2001. So far I've been disputing the lates and every now and then the whole TL will disappear from one of the bureaus...I'm concerned that if I keep doing this I might end up with 0 TLs and have to start my credit history from scratch. what do you guys think? Is there a danger of over-disputing (I did however make sure to not dispute my oldest account, but still my credit history is becoming pretty slim, also PFB never worked for me hence the disputes). BTW all balances are paid to 0.