Hello everyone, just joined the forums after most of my google requests brought me here anyway. So my concern is this. I recently disputed my oldest card that was showing late payments on equifax after it was closed in 2010. It had been open since 1998. Now let me say this, I am currently in a rebuilding stage on my reports and have a way to go. I am only using CreditKarma to track my progress as of now. The dispute went my way( I think) and they removed the entire account. So on the plus side the late payments are gone, on the down side a old account is gone. According to the weekly CK update my Equifax score dropped -44 points and am well under the 600pt mark on CK. I am asking for thoughts if this was a good dispute in the long run, or more damaging then the report with late payments. Thanks!