I just pulled my credit report and noticed on exp and eqf they have a loan I took out with a credit union in 1995 which was paid in full in 1999 under two different bank names and two different acct nos. I was late several times with this loan but did pay it off in full. Never went into collection. I think the bank may have changed hands and that is why it is listed two times, but it looks like I took 2 loans out and was late on both. How should I handle this. Should I dispute on line with cr agency or send a letter and say it is duplicate listing or should I tell them it isn't mine? I am trying to clean up report and these are the only two negatives I have which in reality should only be listed once. Thank you.
