I just recieved a update from Equifax showing that they deleted my paid collection acct for $40.00 I had CALLED in a dispute 7 days ago! What a turn around time. Now the only negatives I have are late pays on CC which Junum is disputing. What are the minumium for a AMEX card? I have a 6 30 day late and 2 60 day late on various cards. No lates since 5/99. What's the min beacon score? Thanks. My2kGT