If anyone can direct me to a prior thread along the same lines of my situation or adivse, I'd appreciate it greatly. I have tried the search function but nothing comes up. I got the 3 in one credit report online via a yahoo link. One of the things I want to dispute is the Mervins inquiry. I was told if I knew my target charge account number and did not have the card in hand, they'd allow me to charge. I only needed ID. So I go in, shop and they don't do this. They take my ID and ask if I want to open a Mervins card since I have Target it shouldn't be a problem. I had a feeling it would be and protested and I signed nothing but an inquiry was made and declined. I was furious. Sound like a legit gripe? Not only that, I bounced a check and paid the merchant right away, yet the dollar still reflects on my credit report and the collection agent will not remove it and it'll stay there for another six years! I am furious. Is there any hope of getting that removed? These two things, added to the fact that I am either at my limit or above, have plunged my score to about 590. I can get the cc's down and below their limit easy enough, it's the other things I need help with. Who ever would have thought one measley dollar which hardly buys a bottle of coca cola, would bring down your score because it is a "collection" account? grrrrr.
