For instance, right now, I have a charge-off that hasn't been updated since 99. What are the chances that they will update it now? Also, since my foreclosure was complete, they haven't updated that info either. I'm thinking since for the charge-off, they wrote it off to PnL and the foreclosure, they got the house that they actually received a "benefit" and are not interested in bothering me anymore. OR...I could be wrong.... From what I've read around here, CAs are notorious for updating info on an "on-going" basis.