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hushms57

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can i see which accounts are in collections
Initial report states 3

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Are they yours?

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Have you had accounts that went into collections?  Then you should know which accounts they are.  If accounts show on your credit reports as being in collections and you have no idea who they are, then there could easily be some erroneous entries (something that is not uncommon).

Get copies of all 3 credit reports, go over them carefully and file disputes on items you KNOW are not yours.  Then you should get a revised credit report in about a month.  It is up to each of us to check our credit reports for accuracy every year if we want our credit score to remain positive.

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