[OnyxCougar]

The first step was getting my credit reports. Which I've done.

My FICO is dismal, and I want to raise it.

On my credit report, it lists a credit card under the issuing company, and then again, under the collections agency. This nearly doubles the outstanding balance on my credit report.

Is there a way to make them remove the credit card company or have that balance zero'd out, since the account was given to a collections company?

Reporting it twice as two separate accounts just doesn't seem right to me.


Also, they don't have my correct address or employer, and have that it was last updated in January of 1970.???