I have a charge off that was deleted from my Experian in June 2001. It was shown on their report as opened 5/1995 reported since 9/1995. On Transunion they also show 5/1995 but it is still on my report. Why has Experian figured it to have dropped off in June? Is Transunion wrong and should I dispute it or do I risk having it put back on Experian?