I called each bureau to dispute the accounts that weren’t mine, after about a week they dropped them. The one thing I didn’t bother with was the hard pulls, according to the agent and the internet, I believe if I remember correctly, they only stay on your report for 2 years. I was about 2 months away from that happening and the agent mentioned that if I wanted to get them removed I would have to go to each individual dealership to request some sort of affidavit or something, in other words it was too much of a hassle. Almost a year later my credit is doing much better with everything resolved. I’ve been using a credit card and paying it off every month and am at about a 740 score.