I think that I have read that a NA status is bad? My mortgage is being reported as NA (it is closed). My Cap 1 and Target Visa are reported this way as well, but under credit limit and most owed. Also they say 0 paid as of 6/2002 which is wrong. I made a 600.00 payment to visa and 400 to cap one this month. Should I dispute these? The only thing I worry about is that they will delete the listing all together.