I have a friend who is a loan processor and she said that the credit reports they run go back 10 years. Should I try to negoitate something now w/ these creditors or ??? One creditor I can't find, the other I have been disputing for 6 years. I had a computer loan w/ them, which I paid off & they keep saying I had a Visa Card with them. Since I was 21 at the time, had no job & no means of support outside of my mother at the time they claim I opened the Visa Card w/ them. I highly doubt they would have given me the card. When I had the computer loan I worked PT for them and they automatically took the pmt out of my paychecks. I know their credit criteria & at the time the Visa Card was opened I had about a snowballs chance in hell of getting a credit card w/ a $2000 credit limit!