I disputed items on my credit report just 3 days ago and exp already removed the judgement on my credit report. EQ sent me an email about my credit file being updated. When I checked their updated version (There was no update nothing had changed CONFUSED) but my score with them went up 13 points so I dont no what they did. That was the first time I had ever disputed my credit reports. I know I am in for a long haul but this was a motivator. Glad to come here to get info.