dispute EVERYTHING! You can do this on line if you go to Equifax.com

Tom, if you already have a copy of your credit report, dispute EVERYTHING! You can do this on line if you go to Equifax.com and click on dispute. It will ask you for your report number and some other things. Answer everthing and it pretty much tells you what to do next. When you dispute, it will ask you why, use the drop box and click on the NOT MINE (or whatever they have for that). Do that for every one of the derogitory items. If they come back and tells you it was verified and will remain, repeat another on line dispute. If they continue to claim the item(s) will remain, you can then insist for the name of the person who keeps verifying this to the credit bureaus. More than likely what they are doing is when the bureau investigates your dispute, some moron on the other end is looking at a computer screen and seeing your name (or one simular) and without checking into it further, verifies this debt. It's one of those instances where depending on who is on the other end verifying, more than likely, the verifying process can be done by an eight year old. Keep disputing. They have 30 days to get the dispute verified and back to you. I would theen get a credit report from the other two bureaus and make sure these same items don't appear on those reports. If so, dispute it on line. Good Luck.