Is it worth disputing a closed account so that I can have a 2- 30day late and 1-60 day late removed? Other than that, it was good, and I would be removing a half decent tradeline. How long do they keep records up to date in their systems? I know that Amex has a real hard time looking me up since my account was charged off in 2001. I was able to dispute this account and had it removed from a couple CRA's so far. I personally feel that I need to do my best to remove all lates ect, and it might be just easier to delete the account, is this correct? Please correct me if I am ass backwards here. I have over 45 30 day lates to get rid of over the past 6 years. This is not to mention a few 60 and a couple 90