1) I received an upgrade in July from MBNA Platinum Plus to MBNA Quantum. However, the old tradeline and balance at the time of the upgrade still shows up on my Equifax credit report. I have taken this up with MBNA with no results after 60 days. Should I take this up with the CRAs or continue waiting for MBNA to act? 2) My student loans were sold several times from one lender to another. On some of the entries, there is no indication of status other than "Pays as Agreed"... is it in my interest to dispute this status? The balance shows as $0 at each of these lenders. In any case, my loans have been paid off. 3) Three years ago, I ran into a little financial crunch, and ran late in paying one bill, a lease payment to Toyota Motor Credit (TMC). I called them in advance of the late payment back then, and they said that since I called it would not be reported to the CRAs... however, this tradeline is on my credit report as having 2 30-day lates. Is it worth disputing? I realize that I should have gotten something in writing from Toyota, but I'm now a little older & wiser. Another possible strategy-I may be buying another Toyota in the next year... could I take a loan contingent on TMC removing this derogatory information from my report? Would this work? Thanks very much for your help, everyone. I have learned much from this forum.