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@angiepharm wrote:that's apart of my problem right now. i didn't think it was possible, but my credit score is worse now than it was before i started this "credit repair journey". i had all types of ca's, and co's, many of which legitimatley didn't belong to me. i began to dv, and dispute, and many of them came off easily, while others were stubburn, and i had to pfd from all types of angles, even as far as emailing all of the company execs, which did pay off with 1 company that had 5 ca's for me. others, i paid the oc who agreed to delete, and disputed with the cra's, that the account was paid, since it still reflected unpaid status for many months on my cr's. but pretty much 90% of the old stuff that was keeping my credit score low is now gone. i didn't know then that ca's look at your cr, and will start putting old accounts on your credit report. so, now, i'm left with alot of "new collections", that are really on old debts, but not out of the 7 year period, but they're recently added. and what's worse is that only 1 of the baddies on my report is for an actual credit card account, the rest are medical bills, and copays', and student loans that were supposed to be in defferrment but werent'. whats worse is that my eq is my best report, with only 4 ca's, only 1 of which is unpaid, which i plan to pay asap, but it's my worst score at 501. and i don't get how, i've managed to still tank my score, with less ca's.