I decided to get one of my three free credit reports from www.annualcreditreport.com. From three possible companies, I choose Experian, and I received my free credit report. There are zero potentially negative items. All my accounts are in good standing, but I noticed four accounts are actually closed, but in the report they are listed as open with $0 balance. I contacted my bank, and they adviced me to dispute it. I requested a dispute online and we’ll see.

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