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pamnpr

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If I dispute acts paid in full no late payments from 8 to 12 year ago will it lower my credit
don't know what they are there? Those were good credit. School loans and several credit cards I paid off years ago with good Credit.

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Items in your credit report older than 7 years have no reference in your credit scores.  Only items within 7 years (Chapter 7 Bankruptcy exception is 10 years).  If you had them removed it should not impact your credit score.   Some items remain as they are reference for future requests (IE: auto finance look to prior auto finance history).  In my opinion, if they are positive items showing paid and closed all with timely payments; you not concern yourself with them and allow them to remain on your report.

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