My lender told me to call or write my old bank to verify the late dates that Credco is reporting. Isn't that something she should be doing? Oh well. Anyway, I am not sure if the errors are from Credco, CSC, or straight from Equifax. I will have to call and see on Monday. If it is Credco, I am going to file a complaint with the FTC who has already slapped them on the wrist before for botching imformation on these tri-merged reports. What a nightmare. I hope to get a house by Christmas.