I've got 2 charge-offs from way back in 1997-1998, one with Fleet and the other with MBNA. I learned of my 3 scores with the bureaus a month ago when I had my credit pulled by my mortgage lender. I finally pulled all 3 on my own over the weekend so I could see every last detail. Well, Fleet played the game well. MBNA did not - thank God! My MBNA acct charged off and they reported a "whopping" 4 90+ days late before it charged off. MBNA on the other hand, has reported an "astounding" 25 90+ days late - to ALL 3 bureaus. It finally charged off in May '01. Fortunately, this acct is not in collections status, but I bet my scores would notice a decent jump if I could get all 25 90+ off of there. What's the best route for this? Not mine or validation?
