Ok everyone knows Equifax is an albatross around my neck. They sent me into a blue funk when they dropped my score by 86 points. Today I decided I am going to get to the bottom of this. So, here goes. Since May I have gotten 4 baddies removed from equifax. I have 3 collections and one derogatory left. The collections are 2 medical collections that the hospital failed to file correctly on my insurance, and an account apparently opened by my ex after we were divorced. There derogatory is 90-120 days late on a student loan. I have opened 2 capital one cards and 7 store cards, plus a $ 500 credit builder loan in the past 6 months, and a car loan that I have had for 9 months. There are no late payments on any of these. Length of credit history is 6 years, 3 months and AAoA is 1 year and 11 months. The reasons equifax gives for my horrific low score is too many new credit cards, a high percentage of recently opened accounts, and insufficient information about a mortgage (because I don’t have a mortgage). It doesn’t mention the collections or derogatory at all.
So, here’s my question. Should I even bother disputing these remaining items, and run the risk of rebucketing since equifax is not listing them as reasons for my low scores? Or should I let well enough alone? I am at a loss as to what my next step should be.