I had two cards that was closed in 2017 and I had no knowledge of those being open until 2019 when I filed for a dispute. This year, I offered to pay those debts with the debt collectors and they refused to accept my payment without a guarantee of a credit score increase. However, I reached out to a credit expert to see if they could help. They started and finished repairing my credit in 3 weeks and my score was boosted to 794 across all credit bureaus. Newhorizons 0o1 AT aol. For credit help