When you "update" your Experian file it may not reflect on your creditor's copy of your file. Let me give you an example. I had a perfect account, several years ago, show a 30+ late. I was always on time. I disputed, they removed the derog history. Done and Done. I thought. The account still shows on my report (it shows open and it's closed) but other than that I think the account is fine based on my report. On my mortgage preapproval this account shows up in "derogatory accounts". It looks perfect on their report too... but it's in the derog section. He says that happens a lot with Experian. They clean up what we see but it's still coded derog so it still hurts our scores and we don't even know it. His suggestion: when dealing with Experian if you have a derog tradeline, try to get it removed completely. They're incompetent, or their system is screwed, or they're committing fraud by not telling us if our accounts are still hurting us. One or the other. Just be careful.