You think you're the only one who can't figure out what to do with those bad accounts on your file? Nope.
There are thousands of other people who are as confused as you are but they still wind up with impressive credit ratings at the end of the day.
Your score is a figure that is used to determine how well you are rated financially, and as such you should be very much concerned about how good it is.
Maybe you're responsible for those negative accounts on your report or not, that doesn't really matter at the moment as much as getting them removed.
Your rating will take a nosedive if you do not act fast and begin the process of disputing those entries with the bureaus that responsible for it.
Experian, Transunion, and Equifax operate independently of one another because they are owned by different organizations even though they perform the same function.
This is the reason why a particular collection account that is found on your Experian file and is also recorded on your Transunion or Equifax should be treated differently.
The fact that you were able to challenge Transunion into launching an investigation into the information and getting it deleted doesn't mean that you should assume it has been deleted off from your Equifax or Transunion versions.
You will have to repeat the same process anywhere it is found on any of your three-fold report.
It is something you can do by yourself if you have the necessary guide such as a restoration kit, nevertheless you might want to try out the services of an expert such as a repair agency.
Disputing accounts can take a matter of weeks and the Fair Credit Reporting Act, FCRA, empowers you enough to be able to do this effectively.
This is why you should take advantage of this if you make any find of a negative account on your file.
Good luck!