<prompt> Human: As title mentions, I recently paid off a credit card, I paid off about 12k, so fully paid off. However, I did miss 3 payments which shows on my credit report.Would I be able to dispute this to the Experian, TU and EF? or what are my best options to go about this?I also have 3 other credit cards, one with a balance of 4k, one with 2k and another with 3k.Would paying one fully off help my score or send an equal amount across all 3?Thanks  <response>: If you missed the payments what are you going to dispute exactly? Theyre accurately reporting that you missed them. You can contact your credit card company and ask for a goodwill deletion but they generally dont give them out. I also have 3 other credit cards, one with a balance of 4k, one with 2k and another with 3k.Would paying one fully off help my score or send an equal amount across all 3?It wont change your utilization either way, but if one of them is close to maxed out it could help to pay it down. 