I recently got my Equifax score up to a 622 from a 529. (BOTH FAKO scores). After two days, I noticed that my score went down to a 529. On my report I have a FNBM account that is reporting 90 days late. I have a balance of $700 on a credit with a $260 limit. The stupid card came almost maxed out and monthly service fees took it over the limit. I have a 90 day late on my report for FNBM. I only used the card once for $10 in gas, how did the balance get to be at $700 when the limit is only $260. To matters worse, Equifax duplicated the information. I am already maxed out on my other cards but did they have to dudplicate that particular account. This one error cost me alot of points. How do I get the FNBM account completely off of my credit reports. (BOTH accounts)?
Well for starters....write a letter and tell them they have duplicate accounts. The did this same thing with my student loan, except it was reported 3 times on each report. EX deleted all three, EQ & TU deleted 2 of the 3.
