First page of this report shows a summary section where it shows an account distribution and below fico scores etc. There is also a place that shows total monthly payments. The monthly payment amount that this report far excedes what my monthly payments are which are about $800 it list 5700. I have been in touch with Credico to try and get this corrected. My question is, is this 5700 being factored into my credit score? The 5700 appears to be pulling some paid off accounts, like a car payment, as well as the total amount of a couple of credit cards. If any one has knowledge of the merged report, or Kristie if you could help with this question it would be appreciated. Thanks to all.