Since that time I have spoken to their collections person because they reported in April on Equifax that I defaulted on an Installment Account. XSH@TTYX Credit Union Individual Account Date Opened 7/2002 DOLA N/A Installment-CHARGE OFF High Credit $38 Balance $0 Date Reported 4/2003 Paid Charge Off Closed Account I barely understand them placing it on ChexSystems but didn't agree with it being reported as an Installment account on my credit report. Their collection person would not send me anything in writing that she would delte it from Equifax but "said" that they would delete it on the next reporting. I pushed as hard as I could while trying to be nice. I have disputed it with Equifax twice with no deletion as 'not mine' because I didn't have an installment account, yet it comes back verified. Is there anything I can refer to in writing to the collections person I have been dealing with to pressure them to remove it? Is it okay to report a closed checking/savings account as "Installment"? I had no loans tied to it and I am really upset with being screwed for $13.00 when I am working so hard to clean up my credit. Thanks!!