<prompt> Human: Hi guys, Id been under the assumption that I have perfect credit. However, i decided to check credit karma today and see that my gas company has two listings for me. These are the only negative items on my credit report, and it seems to have taken me down to fair or C status. basically what seems to have happened is that i had a 44 balance on my account when I moved approx. 1.5 years ago. I went through the utility company during the move to transfer over to my new residence; however this balance never showed up until my most recent bill coincidentally, i got this on friday. Anyway, 44, no big deal right? i scheduled a payment as soon as i was near a computer. But looking at my credit score, this 44 has been sent to collections and bought by a lender and all kinds of shit. I was able to dispute the issue on transunion, but the other three reporting companies Vantagescore, auto insurance score, home insurance score dont have obvious routes to dispute. Does anyone have tips on dealing with this? Is there a company i can hire to deal with this for me? Thanks  <response>: You can dispute incorrect information, but you cannot dispute a credit score. VantageScore, Auto Insurance Score, and Home Insurance Score are not reporting companies - those are the other score models provided by Credit Karma, calculated by TransUnion. These score models are also based off of your TransUnion credit report, just like the primary score we display: New Account score. You can only dispute with the bureau, not every score model. After the dispute, when TransUnion updates your report, that will affect all of your scores. No need to dispute separately. Hope that clears up some confusion. Source - I work at CK : 