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Can I dispute CA's with zero balance

Guest Lookingup

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Guest Lookingup

I'm a newbie to the forum, so please bear with me. Just got my CR and have been reading posts. Most of my negative TL's are from CA's (1-4 years old) that have been paid off. Can I still dispute these entries? If not, what are my alternatives?

Also, my single largest creditor (75% of total debt) has offered to settle for 50%, I am over 180 days on this account. I know that "settled" will look bad, but will the reduction in debt more than offset it?

Thanks in advance for all of your help

Truely on the bottom lookingup

FICO 452

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