My husband and I are attempting to refinance our home. The mortgage broker sent us our credit scores and mine came in very low. We just got a free credit card report on from one of the companies that the broker gave us which reflected my lowest score. On the account we just received in 7 years for XXXX records there was actually just XXXX issue in question. And I am trying to find out more about it. But frankly to penalize a citizen in this way for XXXX issue seems outrageous. Here is a list on the brokers report of my so called transgressions - none seem applicable. 1. Serious delinquency 2.Time since delinquency is too recent or unknown 3.Proportion of balances to credit limits is too high on bank 4. Revolving or other revolving accounts. 
All this because there may be XXXX account for a small amount of money to be disputed!