....disputed the last drop of negative info a few weeks ago--the dreaded 60 day student loan late from Dec, 1995... ...hoping to get rid of it 6 months early...got the results online....they "fixed" it with ACCOUNT TRANSFERRED OR SOLD....so, I turned right around and disputed it again (for like the gagillionth time)... ....stupid EQ....my score plunged again to 654 after that came out of "investigation status".... Just goes to show....the one and only piece of negative info is the most damaging (remember, I had a 705 only 4-5 months ago).... I swear, my fico is a rubber ball that could be used to practice hoops... ...hmmmpph.... David