I thought some of you that were disputing on Equifax would find this intersting, I have added a new credit card account and had a judgement deleted. 18 points were added to my score, It could have been more, but possibly the new account took it down some more? Anyway, that puts me at 590 now, not great, but was at 500 a few months ago. On Equifax I now have showing, a bankruptcy, one account included in bankruptcy, a charge-off, good Cap One account, the new cc, and a fcnb with several 30,60,90 days past due.