What I need to know is I have a CO account in 10/95 that was paid I think in 92-93 (settled). Then I have a charge off on 10/98 that is ligit. I have two AU accounts that show up as CO that I will dispute as not mine. The big problem I think is my electric company is showing a huge amount of lates simply because when I goy behind so many years ago that I was forever behind and I had just paid them in full. How do I get them removed. It is Equifax and is it best to dispute on their website?
Dispute directly w/Equifax as either "not mine" or "not late". Either will get you an investigation, and if the electric company doesn't respond then the negative information will be removed.