It seems that all 3 CRA are reporting different derogatory information Honda Finance-Repo amount owned $3,500- reported on TU,EQ (EX deleted due to the 7 years had been up) others are reporting that the debt will stay on until 01/08 BOA Foreclosure/amount owned 0- reported on EQ,EX (not sure why not reported on TU). Due to go off 08/07 Another strange thing is that TU is reporting some old student loans as positive (transfered to another lender) but not reported on the other CRA How should I proceed with this? I'm really trying to improve my credit. Should I first ask for validation? But why is there such a difference with the reporting?