I just found an account on my credit report that I thought was not mine. I called companies with the initials TNB, and figured out that it was a Target Visa I once opened and cancelled to get the discount on a big purchase. Anyway, it was 90 days delinquint, but I thought I had paid it off. Turns out I hadn't quite paid it off, and they had a bunch of returned mail, so I hadn't received bills in months. Paid it off over the phone, they deleted all the fees and interest, and they'll concact the credit reporting agencies. Sweet.
Now I know why my regular credit company raised my interest rate after checking my credit report a few months ago. I'll call them and ask them to re-check, reinstate my awesome interest rate, and raise my credit limit to lower my debt-to-credit ratio. I also just paid off my car loan. Will that help raise my score, too? Basically, I have super-high debt, but I'm never late on payments, and I have pretty long history. With that false delinquint account, TransUnion give me a 600 FICO. I'm hoping for 650 after I get these things straightened out. Moral is: call your credit agencies, tell 'em what a good little customer you are, and ask them to erase fees, etc.