Wells Fargo-disputed lates-all verified. Household Bank (this was old GM Card. Lates from 1995-1997). Capital One ( 3 lates from 1999-2000): One late deleted. So, I had a total of 4 lates deleted. Some were relatively recent, others were older. Checked fico, and guess what: no score change. I do have several student loan duplicate accounts listed, and I am gonna dispute those now, since I successfully got those removed on EXP. Have also paid off 3 accounts (totalling about 1000) that have yet to update, so maybe that will help my score.