I am about to send my first batch of dispute letters to all three CRA's. Now that I have my reports I am finding many old accounts that show good pay records but are actually old closed accounts. Equifax shows several Open that are really closed. Should I bother to dispute this if it shows Pays As Agreed? I want to get rid of as much negative stuff as possible. I am just unsure if this info is hurting my FICO.
