I disputed a charge off with TU and they changed it to this: Account with no adverse information: verified 12/96 installment account opened 12/96 participant on account most owed $1431 pay terms mo:$40 status as of 12/96: no rating in prior 1 month from date verified never late. Is this positive or neutral? My credit score dropped 33 points since May, with the removal of tax liens and bankruptcy and this change. Any comments? Thanks!!