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redbird64

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what if I know that I didn't have the bad accounts
I didn't open a Kolhs account, a Montgomery account, and any accounts that you have listed, what should I do?

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Get a complete copy of your credit report for free at www.annualcreditreport.com.  Since Credit Karma uses TransUnion, you may want to pull a report from that bureau.  Look it over carefully and contact the creditors and bureaus to dispute any errors or mystery accounts.  Be persistent, it will take some time, but keep at them until you get results.  Best of luck!

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