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Question By
lanedittoe

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Disputed 6 year old debts with AMEX to try to get off credit. They came back dinged credit 26 points
fico score went down 26 points two weeks.

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Top Contributor
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If they were actually your accounts, you can't dispute them.  At 6 years, they are still part of your credit history and will remain until after 7 years have passed. If they happended to have excellent payment records, they could stay on your credit reports for at least 10 years and that is good.  Apparently you have not read the articles on this site so you could get a good understanding of how credit works. I have found the education provided here very helpful and I have a degree in business.

Top Contributor
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The accounts probably have not updated in a while and when you disputed them, the accounts updated and looked like fresh negatives and that is why your score fell.

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