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lilpiglet46

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my bank was bought out and the account payments were messed up

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You'll have to dispute that with the original bank, new bank and the credit bureaus.  Send them letters and ask for your complete payment  history.  Give them 30 days to respond and keep hounding them.  It may take several months of diligent complaining, but with any luck someone will listen and fix your account.  If you have proof that you made all payments on time (i.e. bank statement), then send that with the letters.  You'll also need to send proof of ID or they'll blow you off.  Send them copy of driver's license and SS card or utility bill.  They need 2 forms of ID.  Best of luck!

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