I have 12 items on my credit to date. Three of them are correct(not a very good average eh? ) Two pays as agreed/1 repossession(voluntary but listed as non). I have 4 charge offs listed as OPEN with dates of last activity ranging from 7-94 to 4-97. I have 3 accounts showing as "120+days" past due with last activity dates ranging from 10-94 to 4-96. One of these accounts is also a double of another account that is being reported as "revolving" with 1 "30 day"1 "60 day",and 9 "90 day" lates,date of last activity 12-95. 1 showing revolving 120 days past due date of last activity 6-94. 2 showing installment listed as 120 days past due dates of last activity being 4-96 and 9-95,these are also doubles of one another,together showing (besides 2 120 days ) a combined of 1 "60 day" and 5 "90 day" lates. Not hard to see why I would be a willing proponenet of the DARK SIDE EH? Sincerely Shaw P.S. Momof3 I read your post on incorrect dating on accounts,as you can see someone at the CRAs loves me . If you find out anything to quickly resolve such issues lemme know please!