I have a credit card charge-off that was charged off in fall 1997 and paid off in full in the summer of 1998. Experian reported the date of the charge off correctly (fall 1997) but they reported the date to "fall off the report" as 7 years from summer 1998. I know that the FCRA states that a charge off falls off 7 years from the first delinqunecy that led to thecharge off (in my case, spring 1997), so I disputed the "fall off" date with Experian, being very clear about when the charge off happened. Well, Experian updated the report and made it worse. The charge off date was changed from fall 1997 to fall 1998 in order to keep the "fall off" date the same. I know this seriously lowers my FICO score by making the charge-off more recent than it truly is. And to make matters worse, the fact that I disputed this entry is showing up on Equifax (and I suspect Transunion when I get it), with whom I did NOT dispute at all. I'm at a loss on what to do. I want to send Experian a letter from the credit card company proving the right date of the charge off to have their error reversed (hopefully raising my FICO score a bit), but I know in doing so, I'll also be validating the debt. And, I had planned to use Junum or Lexington to dispute this entry on Equifax and Transunion, but now I don't think I can, since apparently the company updated the dispute with one CRA to the other two. Does anybody have any suggestions? Should I let time pass without a validating letter from the creditor and then get Junum/Lexington to dispute it off the report due to inaccuracy or should I get Experian to change the date now to salvage my FICO score? Should I try to dispute with Equifax/Transunion, even though the entry reads "account disputed by consumer"? Does that notation on these credit reports disqualify me from any future dispute attempts? Any advice would be greatly appreciated.