There was a separate attachment to the credit report detailing REPORTED credit use for the last 24 months only. My auto loan and one dept. store charge that I use every month were not showing. Yet, three visa accounts that I discharged in a Chap 7 B.K. are showing balances from 10/98 to 2/99 listed month by month. FICO recently reported to the public that your credit history for the last 24 months counts for or against you more heavily than older items. I believe that this attachment may be where some calculating is done. What does this mean to me? The discahrged accounts will be gone in 4 months; ie. Feb 2001. But I would sure like to get my auto loan and the additional dept. store charge showing on this attachment if it is what I think it is. Has anyone else seen this attachment?