Ok as of right now my credit score is a 632, i only have one open credit line and not much credit history. But i feel like one of the things thats killing me are two collections that are on my account dating back to befor i was eighteen. I called the collection agency and the rep that answered the phone got nasty with me and stated that I could not dispute the collection becuase it had been past thirty days. Is any of this true or should i still dipute. if so what do i say. i have never experianced this. any suggestions would be appreciated
