It's funny how I never noticed all the errors. Ok, 2 months ago I got denied an AMB/ Citgo card. several reasons... but 2 of the biggest were overutilization of current credit and too new credit. They were nice when I called them. told me if I just had 3 lines/ 24 months old they'd likely approve me. and I'm thinking... have all my old, really good accounts dropped??? NOPE. My new accounts are 15-17 months old and I still show a few of my seasoned acounts... but Well, let me just give you an example. REvolving credit line Opened 7/87 perfect credit Last date of Activity 10/94 Months Reviewed 12 12!!! My math comes up w/87 months reviewed. 87 versus 12. Ok here's another one: Open account Date opened 02/99 there is no last date of activity... but the last date reported is 03/01 (it's a currently open account) Months reviewed 8, not 26 You guys got student loans??? look at them! Mine have been deferred a lot, but I'm still responsible for paying them or deferring them. Most of them were open for 5 years or more... but they show on my reports as 2 mos, 4 mos, 4 mos No wonder my credit looks so frigging new!!! Ok, here's the famous Cap1 stuff. I have 3 accounts, all perfect NEVER over the line by even .01. they all show over the limit. (and of course, the limit isn't there). Now I'm purposefully maxing out my cards... but here's what I'm guessing. last month my high credit was for ex, 87. this next month it's 93 So they have High credit 87 Balance 93 Not only am I 100% maxed... I"m over on all my accounts. Now I would understand it if it showed 100%, since I know they don't report limits... but over 100%!!!!!!!!! Now, logically I'm trending upwards my balances to max them out and then to lower them... but over your limit statuses even with perfect pay histories have GOT to kill your scores!!!!!!!!!!! Just thought I'd pass this all along. It's definitely material for disputes/ lawsuits. Their system is artifically decreasing our scores. Oh, and as for the "we don't have to report limits" argument... I'm going to stipulate that, since the CRAs know it artifically hurts us and is definitely NOT complete and accurate, they should either make them comply w/limit reporting or revoke their contracts. otherwise it's complicity on the part of the credit bureaus. You know, I'm getting excited about all the failures I know I'm going to get from the CRAs. their incompetence is only going to help me. this is getting really fun. Oh, and Jim. Look I forget who still had your bk public listing... but on Equifax they actually show a bk as a picture example in their instruction form. It has assets. liabilities. More info than my report shows. Also, question: has anyone ever asked for a complete report??? Ex: I am going to be applying for employment with over 100K in compensation. I am going to throw into my dispute that, I am assuming this is my complete and total credit report. However, if it's not, please send that to me as well. Since this report has had so many errors, I want to make sure that a potential employer won't see even more errors. If they don't give it to me... I've got them. If they do give it to me I can see the difference and possibly find out if disputes stay on or only time-dropped-off stuff is there. I've been very curious to this one!