I have a Hudson and Target card that was charged off and paid in 4/00 (settlement) first it was listed as "payment after chargeoff" I then disputed it and it came back as "Unrated" but it does have payment history attacted to it. 20 x's 90 or more days late. The "unrated" status is as of 4/2000. Same for my Cap 1 charge-off (this too is paid) Is this good or bad? On my Equifax my paid charge offs I only have two (Hudson/Target and Cap 1), but only one is mark as a "R9". (That was Cap 1) and the other has no status listed. But has "settlement accepted on this account". Good or Bad? My Experian is almost perfect, (that damn Cap 1.) Last question: Have a stolen CC on my Equifax as "Account Transferred or sold" Huhh?? (Was the account transferred to the creep that stole my purse?? It was not late before it was stolen and I have disputed it twice with all 3 and and only TU removed it. I thought stolen or lost only remaind on for two years, true or not? By the way thanks for all the help this board has given me to help with my "issues".