Hi,I am working Identiy Guard and it isn't expensive and all they do is provide updates when someone accesses my report and helps me contact issues. But I have settled via attorney 99.9% of my accounts, and like it says I have a credit card open that isn't open. To whom do i turn to get help just to understand it because I want it as clean as possible to raise my FICO score and because it has a lot of errors on it that would help my score. But I just don't understand all of the terminology there ?