In fairness, the creditor had misreported my loan as 30 days late, but had corrected it after I spoke to them. I called Junum several weeks ago and told them what happened and told them to NOT dispute that. So they ignored my request and disputed anyway. I just wrote them a scathing email telling them that if this line gets deleted, they will be talking to my atty. My suggestion now is for anybody considering using Junum, DON"T!