I just looked at my credit report on a TC affiliated site. I understand that their scoring is not FICO. However, is my credit report as shown thorough and accurate? I found the following issue and am curious what the best way to proceed is: *TU Address problem: Address listed is incorrect, it is showing my college address from 2000 My accurate current address is listed as my previous address *My 1FBUSA card is listed twice: I did have a new card issued 2 years ago when I lost it. The original card is listed as 0/14,000 --"closed by consumer" The second listing has everything correct. Both listings have the correct opening date 12/99. Will it help or hurt to have the $0 balance, "closed" account removed? And how do I do that? *Capital One: 2 - 30 day lates 1 - 60 day late These are from about 5 years ago, some due to not getting bills because of moving. They are legit, but is there anything I can do to get them removed? *Wachovia: 1 - 30 day late This is from 5-6 years ago. Again, is there any chance of having this removed? *Unauthorized Inquires: I have 2 inquires that I have no idea what they are: HSBC NV 7/10/2007 FIRST USA 8/10/2007 What do I do about these? Thanks in advance for your help! This board is a godsend.