Hello Please I need help .1986 I had to file Bk and went overseas.I am back and trying to build my credit back , but I don't know if I can dispute or what I can do with 2 bad point on my Experiant credit report 1.)one charged off credit card date reported 12/31/1996 Balance o no remarks 2.)a collection account I was not here when it opened , I was not here when this account opened, and I have not been contacted. open date 2/1997 Balance 0 reported 7/19/1999 remarks none do you think this collection has to do with the credit card ?? can I do something to remove any of them ? Please advice , I really have no idea about credit reports or how to fix them thank you Esther
