Originally posted by Kokopellian:
Jersey is right. Request all of your reports from the major bureaus. As for the incorrect information dispute it through Equifax. They will do the investigation for you and you'd be surprised at the outcome sometimes. They have 30 days to do the investigation and report back to you. If you have collections or judgements on there you'll have to do your own footwork to get it removed. If you have any specific questions I might be able to answer them for you. I worked in the credit industry for a few years so I have a little bit of knowledge. PM me if you need anymore help or suggestions.



I have a few things i need some clarity on

. I had an open collection account that had been paid in full back in may 2001, and i contacted that creditor, and advised them of the discrepancy, and they agreed to update my file. now will this update a) just show that the collection account had been paid in full or b) be completely deleted from my record, thus rasing my fico score.

I have two open collection accounts from the same creditor, i have made payments on one of the accounts, completely unaware that the second one even existed. Since the second account now has an incorrect balance, how can i have it closed/deleted from my record? or is that even possible? Do creditors even have the right to try to collect from you using multiple agencies? it seems unfair to have two derogatory entries, for basically the same issue. Whats worse, they are trying to collect two different amounts.

According to the FCRA, I can seek damages if a provider of cra data violates the CRA by posting inaccurate information. how true is this ?