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  1. I got a copy of my credit report and saw a collection agency had been added for ATT&T. It is as also added to my daughters Credit. It is not mine. Scheduled to drop off later this year. Should I fight or wait til it drops off?
  2. After years of credit building TU has erased my entire credit history except for last four months. Applied for credit and got a hard pull and was denied because of low credit history being reported. Has anyone else had this experience.

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Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
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