Has anyone noted inefficiencies on the Privista scoring model? It appears that the re-appearance of an old account from the early 1990s (paid, never late) back on my Equifax report, along with Wells Fargo changing the name of a credit card account that they bought from First Interstate to Wells Fargo has resulted in my privista score dropping 7 points! Anyone else had similar discrepancies? Is this legit? And second, if these are in fact legitimate situations that actually do impact my score, how to proceed? Old account from 1990s is a paid off furniture line of credit originally owned by Norwest (Wells Fargo bought em out a while back). Last activity in 1993-had fallen off reports but is now back-privista reports as "new account". Second, I sent equifax a letter requesting removal of another Wells Fargo credit card account that they had not validated in 30 days- a "consumer disputes-reinvestigation in progress" notation has been on there since September. I wrote EQ reminding them that they had 30 days to prove or remove-what privista now reports is that they finally changed the account name to Wells Fargo (from First Interstate-original owner) and inserted a second notation "Consumer says never late"...Now, I did not ask them to insert a comment! Where do I go from here?