Credit and Credit Scores: A short lesson

[Dave I]

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What are valid reasons to dispute a mark that will actually work?

I had a roomie eff me hardcore a couple years back and leave me with a huge gas bill to pay off myself. The gas company put me on a payment plan, which I didn't pay because I was trying to pay them off in one lump sum. Apparently, missing my payment plan payment led them to put a mark on my credit for past due 60 days (which there was no way in hell I went 2 months without sending them a payment, I just figured they used the 60 days from the back sum I owed). My account with them was soon paid in full and I moved away from that place shortly after.

I once again have an account with the same place for the last year and a half with no problems.

Do I have any chance?

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Not likely. Maybe if the 60 days was truly incorrect. But, if it was still 30 days late and was changed to that it probably wouldn't make much of a difference as far as your credit score goes.