dispute them, you can go to experian.com equifax.com and transunion.com and dispute the accounts or you can mail a handwritten letter with a copy of your drivers licence and social sec card to the 3 companies. you can also check out for any questions you have

you can dispute all erroneous items online with the 3major bureaus. it’s very easy..and you can see results within 1-2months. there is a section that you can indicate you were in the armed forces with transunion. make sure you are disputingg with the agencies not with the bank. sometimes it takes a while to do it. you can also remove those inquiries…and dont have to wait for 2yrs.

Sorry, but only information that is not correct can be removed from your credit report.

Derogatory information stays on your report for 7-years from the date of first delinquency.

Look at it this way, a paid collection looks a whole lot better then a unpaid one.

And yes when these things drop of your report your score will increase.