i sent off some disputes (online) to all 3 CRAs to try to rid myself of some late pays that occured last year. as of july 1, my TU FICO was 659 (EXP 681, EQU 601). while my 30 days hasn't ended, i decided to pull another myfico report. TU is now at a whopping 686! they deleted some 30 day and 60 day lates. but i have a question, on a couple of accounts it seems that they just moved the lates back about a year, which takes them out of the realm of recent late pays. should i dispute these once my 30 days are up or just let it go and be thankful that it affected my score so drastically? also, i called TU yesterday to see why the address and employer changes didn't seem to be made. the CSR said that she only saw one address for me (my current one) and that the employer had changed (current) and that one account that i asked a question about was not there. however, the report i pulled today has none of those changes. is that weird or does it take time for internal changes to be made public?
your files could be split. some csr don;t know to look and see if you files are split. Ask them to check for you.
