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  1. I have been doing credit repair for a little bit, and done pretty well. I have disputed my former mortgage with all 3 credit bureaus - I was laid off and CitiMortgage started foreclosure proceedings, but I sold the house and paid off the mortgage in full prior to foreclosure. Transunion and Equifax show the account as Paid and 120 Days Late... I can live with that, it's the truth. Experian shows the Pay Status as Foreclosure, and the Payment history shows "RF" (Foreclosure) in Nov 2008 when I paid off the loan. They've supposedly verified and validated (seperately) the information. The kicker in this is that my Experian credit score is about 85 points higher than my other scores... If I go after them to have the tradeline removed completely from my credit report because of incorrect information (I plan on sending them the closing documents showing that the lender was paid), will it drop my credit score? Will it help? What if I just have them fix the information? I want to send a letter soon, but want to make sure that what I'm asking for is in my best interest. Thanks!
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