I decided to see how this would affect my credit score so I disputed one of them on TU. I lost 4 points. I disputed another and gained 12 points. I just disputed two of them on Experian. I monitor it every day on Credit expert. I am taking bets on how it will effect my score. I have found that paying down my debt actually decreases my score. The prize wil be announced later. Place your bets now.