tiredx2, thanks, i did look at creditkarma.com and am now in the process of disputing my car loan., it was from a credit union and its stating that i still owe 9 grand! i have the title! i paid 6 long years to own my car! hopefully this will get cleared up soon and my score will go up a few points. im going to wait til i hear back about this dispute ( with in a week or so) until i apply for a cc ( i need to build my score so that i can get a mortgage, but i will only charge my gas an payoff in full each month).
That's GREAT. Well, it's horrible that it has been misreported but awesome that there is something to be cleaned up. Hopefully it will make a diffference!