I've been ghost and lurking for a while. Been really busy w/ kids and work. So, what I want to know (and I think? this was covered before but a search did me no good) is when you are disputing something on Equifax and the item is in dispute status, is it temporarily not viewable by someone that you are applying for credit with? Is it true that the disputed item is NOT factored into your FICO score, hence giving you a higher *fake* score? Anyone care to elaborate on this? A month ago I learned that Target was now pulling Equifax and since it's my best report, I applied and was approved for $200! What was even more baffling was the fact that I just got through paying a $300 chargeoff from them in January (I made payments to their internal collections). And that wasn't the icing on the cake, I just recently disputed the paid chargeoff and it was DELETED! :-D As you all may know, I am not w/ my boyfriend anymore and I took myself off as AU on his Gold Am/Ex! :-( It is now my sole mission at the moment to obtain my own Gold card. Last time I applied, they sited 8 negatives on Equifax. I have now gotten that down to 4 in 2 months. Of the 4, one was recently just added! It was a collection from Risk Management Alternatives for a MCI bill that I have NO CLUE about...and to top it off, the SOL is up!! When I first received a notice from them, I disputed ASAP! They never responded and put this on my file anyway! :-( I am disputing this w/ Equifax as we speak. Another collection is being removed because I'm paying the original creditor in exchange for deletion. The other 2 negatives that are left are a paid auto chargoff (Ford F'n Credit...it's due to fall off in Feb anyway) w/ I9 status and a paid student loan collection w/ I5 status (I had 2 others but Junum got them off...this one for some odd reason keeps getting verified). Both of these are also being disputed. I anticipate that I should have a clean Equifax no later than August...which at that time, I'll apply for Am/Ex. My inquiries at that point will be 3 in six months. If anyone has any suggestions on what to do about Risk Management Alternatives, feel free to let'er rip! Any other comments are appreciated as well.