Do R0's (Equifax code; unrated, too new) have any effect on my credit score. I have 3 of them. 1 with Capital One, and 2 with a Student Loan with Citibank. Also, anyone have any luck getting anything removed from Wells Fargo? I have an old account that was Norwest before it got bought out. It was off my report as Norwest, then the buy out, then it was back on. That sucked! I have tried disputing it, but it came back verified. Thanks!