I had a great experience with Experian. I had paid off a Belk card and the company had no record of the account being paid. Therefore, it was marked as charged off and that caused me not to be able to get a loan. I also disputed some inaccurate payment history on a few other accounts. I just got back my disputes and they had taken off the charged off account which supposedly happened in 1997 and took off the payment history on my other accounts. Therefore, if those accounts were late, the ones I disputed never show up late now.
