I just checked my Equifax credit report and I am totally confused.
It shows 1 open account: My mother in law added me to het home depot account so I cou;d mange repairs.
Two Closed accounts: which are with debt collectors.
It shows nothing in collections.
The confusing part is that there are 6 accounts total over a year past due with the other four also with debt collectors.
So I would have thought the report would show 6 accounts in collections.
How does this really work
