In a current round of disputes, on my hubby's Experian we had disputed a 5 year old account with one 30 day late as not mine. I know it's not hurting his score but we wanted the derogatory file removed anyway. Instead, the OC updated the account as never late and it moved into positive accounts. We also straightened out a big loan that was reporting as closed and his score jumped from a 555 to a 617. We still have a ways to go, but it's a very nice step.
