You need to get copies of the actual reports, not just the scores, to see what's on there contributing to the score you see....then dispute anything that is incorrect (you'd be surprised at how much old and incorrect stuff stays on the reports until someone disputes them). You'll want to research how long something is allowed to stay on your report for your state, in California, its 3 years for most types of debt...anything older than that can be disputed and removed.
Annualcreditreport.com will give you a free copy every year, be sure you read the screens as you go through it, so you don't accidently opt for something that they can charge you money for....the credit reports themselves should be FREE.
♪♫•*¨*•.¸¸♥Lisa♥ ¸¸.•*¨*•♫♪
