Creditor XYZ, 30,60,90,120 days late. CHARGE-OFF Now, I have multiple entries of this.. should I dispute as NEVER LATE and NEVER CHARGED OFF? What will happen when they verify? If they get no response back, do they delete it or do they update it to reflect it as positive? Even if they do change it to make it positive.. these lines are dated 5/97. So will this help improve my scores anyway because it has been so long?? Or should I just dispute all these as NOT MINE.. Marie, Roni, or any others.. please help. Thanks!