Capio showing up 3 times on my credit history

I am in the process of rebuilding my credit. I had a bankruptcy 9 years ago and a devastating divorce. Many things happened and I have been unable to get ANY type of credit whatsoever. About 7 months ago, I was reading about easy ways to start rebuilding my credit. Once suggestion was getting a Fingerhut card. I thought...what the heck. I applied and it worked! From there, I was able to add Capital One secured and a couple of other cards such as Amazon store card and a Kohl’s charge card. I have not been late at all on any of my payments. However, my score right now is 554. It went down a several points over the last few day because a company called Capio put 3 strikes on it. I am not sure what the items are, but it really made me angry. I do not know much yet about the credit-rebuilding saga, but I am reaching out to all of you in hopes that you can tell me how to get this taken care of.   Any ideas on how I can get these what it means and how I can get them removed? Thank you so much in advance for any assistance. SlippedHalo  

Thank you DagsKY for the reply. I have already pulled my yearly credit report so I can't do it again (without paying). I would like to dispute them but, like I said in my original post, I really don't know how to go about doing that. I hate to sound inept, but since I have just started on this journey of cleaning up my act (credit) - any direction would be sincerely appreciated. Thank you,SlippedHalo

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