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What if something is on report you know nothing about?
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 I just used this service for the first time. I see that when my student loan was transferred from one bank to another, the first was never closed. It looks like I owe double the amount. It also shows that I have a credit card with a $5500. limit that I don't have. no charges on it thankfully. It also shows that I have 3 accounts in collection. If this is true I know nothing about it!! How can I handle these issues? This gives me a very low rating! I also had a car loan that I paid off in monthly installments early but now mention of that! Shouldn't that show up and raise my score? This is so frustrating!!! Did I mention the 2 hard credit inquiries? I haven't applied for credit since the car, 6 years ago and the 1 credit card that I have, about 1 year ago!!

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