I've been ignoring the little voice in my head to pull my cr again. Thought it was because I paid off a car note 1 year early and reduced my util from 80% to 25% and wanted to see the jump in score.Well.. score dropped 70pts!! WTH!! Just when I thought I was joining the 700 club. Apon reading the cr I find that a zombie CO has picked up an account that is past the SOL. On top of this they have not reported on my cr until now (have prior copies), but supposedly have owned it for 2 years.What to do?? DV? C&D? I have litterally pulled 20 hairs out from this- uuuggghh.Thanks in advance for any help.