<prompt> Human: I am focusing on raising my credit score. It was really poor back in March at 598 and its still poor, but rising, now at 614. I am trying my best to lower my utilization rate, but the more I click around on Credit Karma the less I can understand why my score is so bad. Then I noticed that under the link for my late payments there is a Target credit card, that has had 10 late payments documented which I can only assume contributes to the score of 614. Ive reached out to Target and they say that I am not in their system and it must be some mistake I dont understand... and that they would send me a letter that I can then send to the credit company. 60 days later and no update, I called back - they said that they would send an electronic message of some sort to the credit company and within 30 days it would be off my credit report. Well its been another 60 days and its still there, staring me in the face! I have no idea what else I can do to expedite this, or how it happened in the first place. Does anyone have any similar experiences advice?! Its greatly appreciated!  <response>: Dispute it with each of the three credit bureaus. 