I have been trying to repair my credit since April and I just need a little bit of help understanding this stuff. I currently am using dispute bee to assist me with generating letters and it's working for some stuff but not all of it. I am down to 0 hard inquiries on TU but I still have 3 closed accounts that remains on there. On EQ I currently have 4 hard inquiries and 1 closed account. On EX I have 2 closed accounts and 0 hard inquiries.
I just don't want to continue sending dispute letters with no proof because I know it's just a matter of time before they say its frivolous.