I thought that I just had one neg on my equafax but now I am not sure. Do they put them all together, good and bad?? I may have several more. Here is one that I am not sure is a neg or not. At first I thought no, but Inow I think it is: Please help!! AFBA-IB xxxxx R1 03/01 --- 500 0 11/00 72 (07-02-00) 08/98-R2 01/90 **********2***/**32*2**32*** Account closed by consumer credit card. Can anyone make anything of this?? Is this reporting bad or waht?? Thanks!!!