I have two personal loans that were open for only 2 months last year then paid off and closed. They were both from finance company's which evidently lower your score. Should I dispute these as 'not mine' to remove them? This reason "too many finance accts " came up on my TU score analysis and I believe FICO dings you for this too. Do I even get credit for a 2 month loan paid in full? Thanks for your help!
