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I got notification from EQ that one of my accounts has changed so I log in and my score dropped to 525 from 542. They changed the type of loan from Factoring Company to nothing, took out the Major First Delinquency Date, and changed the reported date to yesterday instead of 11/07. Which one of these things are hurting me? Gosh dangit they are pissing me off!!!! They have already verified with EX without validating the debt, sent the dunning letter to the wrong address, they reported the account well after I had requested validation and to this day still haven't validated the debt. What in the heck can I do now? They are gone from TU, but still hanging around EX and EQ. Thanks in advance.XhairX

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