Can an OC who changes the charge off date of an account that was paid in full 3 years ago (previously reported as a chargeoff) be guilty of 'reaging' an account, even if they do not change the DOLA listed on the tradeline? Example: Delinquent account closed and charged off in 3/98, went delinquent in 1997. Account was paid in full in 6/2000. OC never reports account paid in full until I contact them via dispute letter in 3/03. They update account to paid/settled 6/2000, leave the DOLA as 8/97, but now report the charge off date as 3/03. Prior to that time the account had been listed as a charge-off on my report as follows: "Charge Off as of 10-1999 to 2-2003, 10-1998, 7-1998 to 9-1998, 3-1998 to 5-1998". Now my report simply reflects that this account was charged off to P&L in 3/2003 (the rest of the chargeoff history has been deleted, making it appear as if it were charged off this year and really damaging my scores). OK, my reason for asking (it gets better)......my current copies of my credit reports look peachy, account appears to be reported correctly--BUT I strongly suspect they have reaged this account from the blow that my score recently took when they updated the information. So, lets take a look at the LENDERS copy of my credit report (EQ, which I DO have a copy of courtesy of a friendly car salesman). It seemingly tells a different story with ONLY the following information listed about the account: -Status COLL/P&L -Reported 03/03 -'Creditor settled for less than amount due' -CHARGE OFF $XXXX on 03-03 There is NO DOLA listed--just this chargeoff information. I was denied credit by the auto dealer who said 'your score is GREAT, but we can't approve you based on the fact that they're reporting that this account wasn't paid until March of this year" Does this constitute re-aging?? I know it does, but LEGALLY can it be proved that just altering the charge-off date constitutes FCRA violations?? Thanks for any and all help! And, by the way, I would like to recommend to anyone who has the chance--get a copy of the LENDERS COPY of your credit report (if possible) when you apply for credit. It's true what people say....the lenders copies tell a MUCH different tale than the worthless copies the cra's charge us out the wazoo for!