2 years ago I got serious about my credit, in anticipation of buying my first house. In the last 2 years I have had no late payments and no hard inquiries (this almost killed me!) I had about $5000 in credit limits on longstanding cards, but my they were pretty much always very close to their limits. I have a total of 5 late payments showing on my report, including 1 60-day - but they are all about 5 years old. Also, 1 paid collection and 1 satisfied judgement from 1999. After closing on my house in mid-March, I applied for the Citibank Aadvantage Card. I was denied based on the number of late payments. I pulled my Beacon score and disputed the late payments. 2 weeks later I pulled my score again and it had jumped 50 points. Those accounts with late payments were showing as disputed - and nothing else had changed. I applied for Citibank Platinum and was approved for an $8k limit. This makes me think that disputed accounts aren't calculated in the scores....anyone else have this experience?