I had two cards that were closed in 2019 and I had no knowledge of those being open until 2021 when I filed for a dispute. This year, I offered to pay those debts with the debt collectors and I was refused payment without a guarantee of a credit score increase. With the help of a colleague, I got connected  to a credit expert and explained the circumstances I was in. In a little under 3 weeks, he was able to fix my credit and raised my score to 783 across all credit bureaus. It is amazing to know there are still honest credit experts out there. You can also reach out to him via; ''B o O s T M Y C R E D I t  @  f a s t s e r v I c e  DOt  C o m'' for your credit issues.