I apologize if this has been addressed- there are a lot of threads about credit disputes.
I have two negative items on my credit that are incorrect. I am in the dispute process now. My question is: for 9 months, these two items have been hurting my credit score… had things been reporting correctly, one of these two items would have been being reported as a positive (an auto loan being paid on time every month) and the other would not have existed at all, so does the reporting agency have to backtrack to when the mistake originated and recalculate the past nine months with the positive information being reflected?