Got a chance to talk to DTE energy about those late pays. Found they ha charged me for the same account two maybe three times.
Well they could not admit the error and decided to remove all of the late pays. Credit score had dropped to a 612 with equifax. now with equifax it is 646 or 647. That is a very good thing. Also notice that some of my creditors has not updated my balances. One is paid in full (dispute). can not wait to see what happens.
Look at my previous post if you think you have some suggestion
