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I've visited the credit boards, and there's a lot of misinformation there, but you can hardly make a mistake in disputing when you stick to "paid as agreed; never late" and "not my account; please delete." It's when you start consolidating cards and closing good accounts that you get a FICO result that backfired instead of improved.

Well, that's not totally true. Either of those disputes could backfire if you dispute the wrong account.

For example, let's say you have an account that is reported as 30 days late, but also has a lot of positive to it. The account could be an old account. Or have no balance but a high credit limit and you could have a card that is almost maxed out. If you dipute this account, there is a good chance the credit reporting agencies will just delete this account and it could do more damage than good because you lose the positives this account had along with the negative.
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