No. of Recommendations: 0
First time posting-
I recently received my credit report for the first time. I found the following:
1. A credit card that I didn't know I had. I currently have two cards with a combined 6k credit limit. I carry about $1,200 balance on one. Slowly beating it down. Should I use the new card or cancel it?

2. A $50 energy bill from my junior year in college (credit-worthiness was the last thing on my mind then) that was paid in full.

3. A Lowe's bill that was paid in full , although 60 days late.

I plan on disputing 2 & 3. What's the best way to go about this? In writing? The internet? Is it even worth it? Any advice will help.

Print the post  


UGC Disclosure Notice Regarding Credit Card Posts
Community board discussions about credit cards are not provided or commissioned by banks who may have advertising relationships with The Motley Fool. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
TMF Credit Center
The Motley Fool Credit Center arms you with real tools and simple messages, that will help you in every credit situation.
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.