FYI: I checked my Equifax FICO score a few weeks ago, and my score was 624 with 4 derogs (lates). I checked my score today with all of the 4 derogs listed as in dispute. My score was........624. The reason codes did change reflecting the derogs being disputed, but the score remained the same. This makes me wonder if disputing really artificially raises your FICO on Equifax. It seems to work on Credit Expert....another mystery.....
