And the other 2 CA's: Experian: Paid/Charge off $350 $12,000 Joint Car Loan - Paid as Agreed/Never Late (updated on 7/03) TransUnion: Paid/Charge off $350 Late 30, 60 & 90 days on the same $12,000 Joint Car Loan as on Equifax. Equifax updated but TransUnion would not. Should I start trying to rebuild my credit and not worry about the negative Paid/Charge Off on Equifax & TU. Also, should I not worry about the old account (opened in 1994!) of the $12,000 Car Loan late payments on TU? TransUnion keeps saying they won't investigate due to credit repair and third parties. How can I start to try and rebuild some positive items. I was turned down online by Corvette GM with the following reason given: Insufficient Credit items Any guidance/advice would be greatly appreciated. I won't bother you again after this. You seem to really know what you're doing here. If you don't like to be singled out, then I understand. I'm just worried my car is going to die on me and I can't get one with my present credit. Then I will lose my job. Single Mom and worried. I reside in the state of Maryland. Thank you.