I am guessing- and it is a mere guess- that the lender had reported it as charged off long before '94, and reported as charged off again in '94 when you started paying. Have you asked the lender if they can show you that the status was not charged off in '91? Have you asked the CRAs what the lender showed for the status of your account as of '92? It just seems unlikely that they would wait 3 years to charge off an account. Look for proof that it was considered a charge off prior to '94, or look up the state version of the FCRA to see if it affords more rights.