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Five years ago, I fell into some credit trouble, but came out of it. I got 60 days late on several credit cards. All were paid off in full, then closed. Two of the credit bureaus show these accounts as having hit 90 days, while the other correctly shows 60. My question is, after nearly 5 years, I am sure I could dispute based on the accounts never having been 90 days late, and they would likely be removed altogether. As they are closed accounts, are they helping me at all just by being there? Is the status (90 days late) even hurting my score anymore as it was 5 years ago and the