OK you guys, you got me curious. I sincerely hope that this is not the report my creditors see. They list me having 3 current delinquent accounts and that darn charge off showing a balance. However, they show the duplicate charge off as a paid off never late account. They also have 3 accounts that were paid off in '94 listed as open but with $0 balances. I haven't been late on anything since that charge off in '96 and the only lates prior to that were in 1994. The best part is my score, with all this neg. stuff is 657. Not the best, but just think what it would be if all my info was correct. Oh, First Premier, I closed when I got the card in the mail is showing open acct. Well, I guess thats what 2 years of cleaning up my credit got me. This could drive a person nucking futz!!!!!