Equifax has finally merged and updated my credit file. Really happy to see all my accounts on there. All inquiries disappeared too.
But there is one huge problem. 2 collections I had deleted last year are back.
The first is a medical collection I had deleted just by disputing online last February.
The 2nd is a pay for delete agreement account that I had deleted by the CA.
Should I call Equifax to delete these or send through mail? I am scared an online dispute may split file again.
Any advice would be much appreciated.
Starting Scores(Jan/2011): EQ 564 TU 538 EXP 576