Anyhow, it's showing that it's "disputed by consumer" but what does that mean to me? Yeah okay, I owe it, so should I settle? It's still with the original creditor. I can't even begin to think how high my score would be if I didn't have that collection showing up. I know Junum said it would remove things that they had removed previously, but DANGIT...I'm mad now! SUCKS!