My credit reports are pretty similar accept Equifax is about 120 points lower. The biggest difference I see is Equifax list 3 colleciton accounts around 2 yrs old as open accounts on the cr alongside my car and credit card accounts. On TU and EX these accounts are listed under collections. When you look at accounts past due on TU and EX it says 0; on Equifax it says 3 - these 3 collection accounts: AAC, Midlands, and Palisades.
Can they list these collection accounts along with normal lender accounts and also list them as >120days late?
