Hi serenty, Welcome aboard. I am new at this but I have learned so much in the last few weeks it is hard to contain. Someone with more info.then I can offer will answer you. You might want to put in a little more info of your own. This is what I have learned & what I have done so far.
1) do NOT dispute on your free report ( they will take up to 45 days to correct anything)
Paid reports only 30 days
2) before you do anything check with someone here first.TAKE YOUR TIME & do it right. I have made
mistakes by rushing.
3) If you read a tread & are not sure about it ..click reply & ask about it.
4) read as many links posted on this forum as needed & then ask more question if needed.
5) keep in mind that there are 2 kinds of SOL federal (FCRA & FACTA) example: baddies get removed in 7 years from date of first missed pmt.
your state SOL...has to due with if & when then can sue you.Every state has their own laws. Your state might have better protection.
It looks like you have CA along with utilities. I have never dealt with utilities so someone else will help you.
By more info I mean: LVNA date and amount etc.
As for where it shows pmts that you didn't make...I have that also and I disputed the whole thing! I am now waiting to hear back.
GOOD LUCK