Hi everyone,
I am very new to this board but am eager to learn more on how to improve my credit scores. I am still uncertain about a lot of the terminology and definitions right now so please bear with me.
Last year, I had subscribed to the free trial of Score Watch with allowed me to view my EQ score, which was 569 as of Nov 2007. There were 5 CC accounts opened that I was unaware of and they all were past due and classified as bad debt; placed for collection. 2 of the accounts were even opened before I was 18. I disputed the errors online and received an alert later stating the following:
Consumer disputes - reinvestigation in process
Charge off account
Account closed by credit grantor
Credit card
Granted I did not know what any of this meant and whether or not having the accounts charged off and closed by the credit grantor was a good thing. However, once my free trial was up, I never signed up for the real version until today. Now my EQ score is 720 and all 5 of those accounts were removed from my account. I didn't even have to send in proof about those 5 accounts not being mine so I don't understand on what basis without my proof in which they were removed.
The thing is that I received my reports/scores from TU (678) and EX (660) today and both of them have some of the same accounts I disputed back in November. Should I simply dispute them like I did with EQ or should I do something else?
Thanks!
