I do not have any CC. The information stating that I have a 97% from the new layout that EQ is using in the section of the Credit summary Debt to Credit Ratio Total is 97%. Looking at my student loans that have be consolidated but they are listed my student loans under two seperate consolidat at the same total causing my credit installments to equal a total of $30,000 some over what it should be. I even have loans showing that I cancel due to not return one Semester = $18,000 est. I think that they should not even be reporting as part of my report since they are not my loans due to I did not receive any of the money they was cancelled and return to the borrower Citibank. The summary has flag beside my area of Credit-at-a Glance total number of accounts as aspect of my credit that is hurting my fico score. Each one of my student loans have been listed separate each semester I received a loan given me several individiual accounts instead of combine from each Borrower. I also have a mark aspect of my credit that is hurting my fico score under Total past ?, Credit History? Late payments? stating not accounts past due for 11 years. Why do they use past 11 years instead of 7years? Other areas under this section hurting my fico score is Accounts opened in past year due to the student loans that I never used and the money was returned back to the borrower as 5 new accounts instead of a total of 2 new accounts in the last year. Can I dispute this to help my fico? Can I dispute the time frame show 11 years instead of 7yrs? What about how the installments of the student loans are listed? Accounts with with balance is showing 9 but I only have 1new account open the other 8 every to the student loans that is defered, why are they showing with a balance when they are listed as defered?
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