This is all the same account, but it reports much differently. EXPERIAN- CREDIT INVESTMENTS INC Status Details: This account is scheduled to continue on record until Apr 2008. This item was verified on Oct 2006 and remained unchanged. Address: 6073 W 44 AVE STE 204 WHEAT RIDGE, CO 80033 No phone number available Account Number: 190xxxx Status: Account charged off. $930 written off. $930 past due as of Dec 2006. Date Opened: 07/2001 Type: Installment Credit Limit: $930 Date of Status: 02/2002 Terms: 36 months high balance: na Reported Since: 03/2002 Monthly Payment: $0 Recent Balance: $930 Last Reported Date: 12/2006 Responsibility: Individual Recent Payment: $0 Account History: Charge Off as of Dec 2006, Oct 2006, Sep 2005 to Sep 2006, Jan 2005 to Jun 2005, Nov 2004, Jun 2004, May 2004, Apr 2004, Feb 2004, Jan 2004, Dec 2003, Sep 2003, Jun 2003 to Aug 2003, Dec 2002 to Apr 2003, Jun 2002 to Oct 2002, Apr 2002, Mar 2002 EQUIFAX Account Number: I90XXXX Current Status: CHARGE-OFF Account Owner: Individual Account. High Credit: $930 Type of Account An installment loan has a fixed number of payments and the same payment due each month, such as a car loan or student loan.: Installment Credit Limit: $0 Term Duration: 36 Months Terms Frequency: Date Opened: 07/2001 Balance: $930 Date Reported: 12/2006 Amount Past Due: $930 Date of Last Payment: 08/2001 Actual Payment Amount: $0 Scheduled Payment Amount: $25 Date of Last Activity: 08/2001 Date Major Delinquency First Reported: Months Reviewed: 18 Creditor Classification: Activity Description: n/a Charge Off Amount: $0 Deferred Payment Start Date: Balloon Payment Amount: $0 Balloon Payment Date: Date Closed: Type of Loan: Installment Sales Contract Comments: Consumer disputes - reinvestigation in progress On equifax, in the section where they show the 81 month payment history, some months have the * symbol for paid or paying as agreed, and some have the charge off symbol. The paid or paying as agreed are mixed in with the charge off symbols. How can they report it as charged off one month, then paying as agreed, then charged off? It also showed up as an open account on equifax: 6073 W 44th Ave Ste 204 Wheat Ridge, CO 800334703 (303) 403-9335 Account Number: I90xxxx Current Status: 120+ DAYS PAST DUE Account Owner: Individual Account. High Credit: $930 Type of Account An installment loan has a fixed number of payments and the same payment due each month, such as a car loan or student loan.: Installment Credit Limit: $0 Term Duration: Terms Frequency: Date Opened: 07/2001 Balance: $930 Date Reported: 01/2002 Amount Past Due: $103 Date of Last Payment: Actual Payment Amount: $0 Scheduled Payment Amount: $25 Date of Last Activity: n/a Date Major Delinquency First Reported: Months Reviewed: 5 Creditor Classification: Activity Description: n/a Charge Off Amount: $0 Deferred Payment Start Date: Balloon Payment Amount: $0 Balloon Payment Date: Date Closed: Type of Loan: Comments: Finally, on my current 3 in 1 pull from TrueCredit, it shows on the equifax section 17 times of it being 90 days late. But, according to my official transunion report, it was closed in 2002. So what gives?