According to Experian, the meaning is:
**Key Derogatory = Claim, Term Default, Government Claim, Paid by Dealer, Bankruptcy Chapter 7, 11 or 12 Petitioned, or Discharged and Bankruptcy Chapter 7, 11, or 12 Reaffirmation of Debt Rescinded.
Question 1: Does this mean its a negative line on your credit report, but has no weight on your credit score?
The reason I don't see it carries any weight is of the 30 tradelines on my report about 8 carry this KD rating the last many months, but when I check Experien's Plus Score and Risk Level assessment, the "SCORE FACTORS THAT ARE NEGATIVELY AFFECTING YOUR SCORE" show mine not listing anything about too many KDs or charged off accounts.
Question 2: If an account is KD, it shows under comments "Transferred to another lender or claim purchased". Do these typically disappear when requested to validate?