I need an immediate answer please....

[FloridaGirl]

I have many accounts being reported as "open" by Equifax. These accounts were included in BK. Now, the only kicker is that most of the accounts show a zero balance, and no negative reporting history. I know full well that I owed money to these places, and I had a negative payment history, so I'm not sure why Equifax shows them as open with zero balance. Even though I know the accounts were included in BK, should I leave it alone? I'm not sure if those items are hurting me, or actually helping. My Equifax score is the lowest of them all, so I am thinking their reporting of all these open accounts is hurting my score. Any suggestions?

[Roadrunner]

Is this from looking at an EQ report directly or from Truecredit? When I had some accounts in dispute, the EQ report thru Truecredit showed some as open even though they were closed. At the same time, the report from EQ directly showed them as closed.

Don't know if this relates to your situation, but from what I've found, some things get lost in translation with Truecredit-not sure why. You'll need a copy from the bureau directly to dispute.

[no_it_all]

Just curious....why do you need an immediate answer?? TIA.....

[FloridaGirl]

^^Oh, I just needed an immediate answer because I was doing some letter writing at that time. I was hoping that someone would answer so I would know whether or not to write up dispute letters.

RRunner....I got a tri-merged report from NationalCreditReport.com. Do you think the actual report from Equifax would be different? I guess I will just dispute, and then Equifax will have to send me a free report, right? Then I can see what is actually on there. Thanks for your response!

[Roadrunner]

It could be. Equifax did have a free 30 day trial to their credit watch program, and that comes with a report directly from Equifax. Perhaps you could check that?