I've been pulling my credit report daily on Equifax. I pulled it this morning and I show something NEW. The account is listed as "CFC-MSD Tape Reporting" (this is the creditor) and it's listed as a SECOND MORTGAGE. It shows it's a joint account, paid in full for $72,000 and never late (opened in 3/98). This was NEVER there until today, but shows a $0 balance. First of all, does anyone know what CFC-MSD Tape Reporting is??? Secondly, it did not change my Fico, so should I just leave it there or dispute it? Any help would be greatly appreciated! mysti_summer