Of course dispute

Of course dispute. Those who tells you to suck it up is not giving you a responsible answer.

YOu make a small mistake to close that credit card. This made you in a worse position negotiating with the CC company. Usually they do have the power to withdraw what they reported. However, a regular CSR from the CC company does not have this power.

If you haven't paid the debt, you still have a chance to bargain with whoever comes to you to collect. You have to make them agree that you pay only under the condition that they remove the negative trade line in your credit report.

Go to www.creditnet.com for more information. You have to do some digging but you will learn a lot.

At the same time you should dispute with credit bureaus. There is still a good chance, even AFTER the bureaus tell you the dispute was unsuccessful, to remove the negative trade lines.

Get everything in writing. Keep good paper trail.

Good luck.