Well, atleast I don't understand it anyway. I hope someone here is able to help me figure this out. The only thing I can figure out is that it was all reported incorrectly. OK, this is one account that got refiananced 2 times, this is what my reports say, CRA+ Date I pulled report EQ-9/00 80128264.... Open- 2/99 Closed-6/00 Balance-$114 Lates 30/3,60/2,90/1 EQ-3/02 80018202... Open-2/99 Closed-12/01 Balance-$0 Lates-0 EQ-3/02 80128264... Open2/99 Closed-1/01 Balance-$0 Late30/3,60/2,90/1 EQ-5/02 80018202... Open-2/99 Closed-12/01 Balance-$0 Lates-0 EQ-5/02 80128264... Open-2/99 Closed-1/01 Balance-$0 Lates-30/3,60/2,90/1 EX-4/02 800100558.. Open-2/99 Closed-8/99 Balance-$0 Lates-30/1 EX-4/02 801282648... Open- 2/99 Closed-1/01 Balance-$114 Lates30/2,60/2,90/1 EX-4/02 800182027... Open- 2/99 Closed-2/01 Balance-$0 lates-0 TU-4/02 80018202. Open-2/99 Cloded-12/01 Balance-$0 Lates-30/3,60/2,90/01 This was a loan from a loan agency. Was refinaced 2 times. Original amount of loan was $4141.00. All these accounts state the amount of $4141.00. My question is even if refinanced,(reason for 3 account #'s???) the two times wouldn't the amount be lower based on the amount refinanced?? Also the closed dates for the same accounts are different. I've been working on this for hte last 2 months and fed up now. Ha. THe company was also bought out by another and reports state both companys. Also there is an extra # that is by itself, 800100558... I'm going to send out validation letter, but wanted to question if dates and amounts are to be different based on refinancing???? Thanks! Now that I look over for the 100th time even the late payments are wrong for #801282648... I think someone at this company is in trouble!!!! lol MOMOF5