I just signed up for Score Watch. My initial report (using Equifax data) on 5/5/07 listed a lot of accounts -- all mine, including 18 open accounts and 20 closed accounts, and a score of 745. On 5/10 I got a notice that my score had improved to 755 because, surprisingly, I had an inquiry. On 5/12/07 I query for my latest score (I've received no further alerts) and its up to 778. But the real surprise is now Equifax shows only 3 open accounts (and they're all actually inactive!) and 17 closed -- again all mine. Curiously, it also shows me with 45 years of credit history, although I'm not (yet) 45. Its as if I have credit files in parallel universes, though I'm tied to only one SSN. In the alert I did also get a "name change" but it was only to switch from my first name to my middle name, which I more commonly use -- the 5/5/07 Equifax credit report had all the variations accurately listed.
Any thoughts on how this can be / how to sort it out / or as long as my score is over 750 not to worry about it?