BACKGROUND: I ordered all 3 reports through "Triple Alert," a credit monitoring service. They arrived all together on one page. The report is formatted with the regular information listed at the left in rows ("Account Name, Acct #, Acct Type, etc.) and then data from each one of the CRAs listed in columns running down the page. After reading this 3-in-1 report, I have several leftover questions. 1. Current Employer and Previous Employer are blank. Should I update with all three CRAs? 2. 8 addresses-- everywhere I've ever lived-- are listed. 2 others are my grandmother's address. Should I update with the CRAs (i.e. should only my current address be listed?) Now the meat of the issue... 3. Several accounts under my "Account History" have NO NAME: the "ACCOUNT NAME" field is just blank. No OC listed, no CA listed. There is one variation: on several entries, the CA name (Attorney's Office) _is_ listed on Experian, say, but not for Equifax or TU. As I explained above, the 3-in-1 formatting allows me to see that the account numbers match-- HOWEVER, for a few entries, there's no creditor or CA listed at all-- just an acct #, acct type ("Collection Account") a date open, and a balance. That's it. How do I identify the OC or CA? 4. On this report, only "Date Open" is listed, not "Date Reported." Is this usual? Don't I need to know "Date Reported" to make sure it falls off 7 years from this date? 5. Do collection accounts listed as "Paid" lower your credit score (I have several of these I simply paid off in the past before I knew about debt negotiation)? How about those annotated as "Paid, was a collection account, insurance account, insurance claim or govt claim or was terminated for default"? Or the variations: "Payment after charge off/collection" and "Paid collection"? NOW FOR THE STUDENT LOAN QUESTIONS I was left an inheritance about 3 years ago and paid the collection agency collecting my student loans over $20,000 (the entire amount, since at that time I understood student loans "never went away" and couldn't be negotiated down). All of my student loans were in default at this time. They had been administered by CALS, Sallie Mae, and CT Student Loan Foundation. Now for the questions: 6. These old education loans (paid off through the CA) remain on the report-- 18 items in all, listed in the names CALS, Sallie Mae, or CT Student Loan Foundation, with various amounts. The statuses say "Claim filed with govt for insured portion of balance on loan," "Charged off as bad debt," "Govt secured guaranteed," "PAID COLLECTION STUDENT LOAN," "DEFAULTED LOAN - CLAIM FILED AGAINST GUARANTOR." Now the question! Is it possible to have these negative items removed? What do they mean? How do I find out date of last activity (is it when I paid the $20,000 to the CA)? 7. In general, how to resolve an item that is listed as "charge-off" (can you still pay?) 8. Should my cell phone company be reporting my on time payments (they're not...)? THANK YOU, in advance, for any and all answers.