Quoting Mrs. God of Thunder:" I've never heard of that or had that happen to me. Maybe it's still in the process of being reviewed or changed. I don't know.. ??"
But that's the thing, we got an updated report after the disputes a few months ago. I've googled and I can't find anything other than people have tried to apply for loans and were told that they only had 2 credit reports, so only 2 of their scores showed and weren't able to use their middle score. I'm just freaking out because we're trying to repair his credit to buy a home in a year. His credit isn't the greatest, but if it really is gone then I don't know what to do. We'd be in a lot better of position to buy with his crap credit in repair vs no credit.