Credit Reports?

[Anonymous]

I have been keeping up to date with my credit reports and i have noticed that on experian and transunion it is reporting three accounts, my fingerhut and 2 secured cc. Shows total utilization at 17%. The other 15 accounts which are collections and charge offs all showing as closed. Where i am having a problem is equifax. It shows all 15 accounts as opened. This is hurting my utilization which shows up as 99%. I have tried disputing a couple of these accounts but it comes back as verified and accurate. I am going based on CK so i am not sure how accurate it is. Should i try and buy an equifax report from my myfico to see if the information is correct? Not sure how to go about this. Any advice is greatly appreciated. 

[Anonymous]

Ignore CK as far as UTI, scores or any other recommendations goes.

FICO scores ALL unpaid revolving Charge Offs that report a balance against your UTI. If you have any unpaid revolving charge offs showing a balance due its best to get them settled.

[rockbttm442]

Automated phone numbers to order official reports:
EX 888-397-3742, EQ 800-997-2493, TU 800-888-4213
Order reports only (up to $12/ea) - and not scores or other products.

While waiting, you can use the annualcreditreport.com free reports to start researching and strategizing.

[rockbttm442]

Also if you've been denied for credit use the denial letter as long as it's within 60 it'll be free

[Anonymous]

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@rockbttm442 wrote:
Also if you've been denied for credit use the denial letter as long as it's within 60 it'll be free

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Speaking of which, I just recieved a copy in the mail of my TU report, even though I never requested it....

[rockbttm442]

Maybe they knew you needed it.

[Anonymous]

But arent these charged off accounts suppose to be considered closed. I mean they are all closed on both experian and transunion.